I did it. I closed all my credit card accounts but one and am entering a DMP. I've completed all the paperwork and am sending it in tomorrow. My payments are going down by $200 and my interest rates are being drastically reduced. I feel so good about this. Plus, the program is through my credit union, so it's free. It says it will take me a little over 4 years to get rid of my debt. I can however make it go away faster by making larger payments. So I am excited that I am making some progress. I left off one card (as allowed) and chose my American Express because supposedly if you put them in a DMP they show it as a charge off and it messes up your credit rating. The only big concern I have is if this plan will hurt my chances of renting an apartment if I move since it will show up on my credit report. I figure I will just go for it and hope for the best.