I’m a college student and my credit card debt got a bit out of hand…I have two cards that have been past due for about 3 months each: a discover card @ $961.99 the interest rate is 29.9% and a Capital One @ $1,085.33 the interest rate is 17.3%…I’m not employeed and have been looking. I’m in school in tallahassee and the job market here is garbage just like the rest of the country. But I really want to pay off my debt in january when i receive my fin aid which will be $2,540.86 after tuition and rent for 7 months are paid. My question is what should I do till January to not let them become any later?