Originally Posted by: dvenetianFor everything else, there's Visa............................

Do NOT take that advice! :D
Visa certainly isn't priceless...more like %20+ interest.
I know, I know, you were just kidding, and so am I...sorta.
Frankly, re-reading my 1st post and the subsequent ones, I gotta take back my initial hesitation on being on your own. I guess it grew from not wanting to suggest drastic action for someone I don't know. Yet if that were me (at that age), personally I wouldn't stand for it...and I didn't. Sure, sometimes you need to compromise for certain things, but sometimes (for lack of a better phrase) you just need to grow a pair. Since we don't know the fullest extent of your situation, ultimately it's on you to decide which.