When I graduated from college I did so with a rather large balance on my credit cards. In order to get through my senior year and do a few other things I had run up over $2,500.00 in charges on my cards. I wanted to get out from under this debt as soon as possible so I went online and requested credit card debt information. The first thing I had to do was get a job to have the income to pay them off. The second thing I needed to do was to come up with a plan to keep the balance from getting even more out of hand.