How can i get help on credit card debt?

I'm a debt collector so I know plenty of ways that can help you get this sorted. The best thing for you to do is go to the people you got the loan with and talk to them about it. They may be able to extent the loan giving you smaller repayments. They they won't do anything find a debt management company, they go over all your expenses with you and will then talk to the loan company. I have one, I pay them once a month and they pay all my outstanding debts for me. It's worth looking into as they know the law and what you are entitled to.