hippoatlarge,
i wanted to let you know i said a prayer for you. we've all been there before. money. god will bless you and you will achieve your goal. but you do need to be proactive and really WANT to make it happen so you can have a healthy financial future. some lenders, loans, credit cards and financial matters can seem overwhelming at times, but you can pay off all the credit cards and mortgages and even student loans if you have them, etc, etc. You mentioned you wanted to pay off your loans by the end of july. IF YOU REALLY WANT IT i believe God will show you how and you will do it. I've had similar worrisome experiences with college loans and student credit so i can relate. God luck with your finances. God bless.