The challenge isn't so much to pay off the credit cards as it is to live without abusing credit. Like Laceshawl I've watched people manage to clear their cc accounts after heroic struggle, only to slide back into debt.
Learning to live below one's income is the trick that seems to elude so many. It all comes back to money management, and that's the theme of this site. How one gets there is less important than the lessons learned and applied along the way. The elimination of cc card debt is a means and not an end.
