I second your opinion. Actually if you had a deep trouble in debt. There are only one way which is find more money. Im newly married, for now I got 5 credit card and two personal loan (how much? i will not tell you because if you know you will be faint) . Im an Engineer in KL earn around RM3500. Of course can't cover that debt. So every week I will go to Golf Club to be a caddie. From that money you used to recover back all the credit card debt. Just do that within a half year then you will see the improvement. But I warning you about to be a caddie. You must assume that somebody already put a Tag (Lembu) at your forehead.
If you are work as a profesional you will really annoying to this job. But for your future better sacrifice your ego.