Credit Cards and other things

Credit Cards and other things

So, never posted here, but I've watched this community for some time. Here's the skinny: I'm currently jobless, but going back to school to get my teacher certification. Student loans will help a little bit, but I am not going to get much, since I used a bunch of federal loan money getting my Master's. Anyway, I am planning to work as a substitute teacher in addition to school. But I am looking to reduce my monthly expenses, in particular my credit cards. I have two, and I try to pay more than the minimums each month, but I usually can't. So I am hoping to get my monthly payments and/or interest rates reduced. Maybe even get the interest eliminated. Does anyone know how I can go about convincing them to cut me a break and do this? Thanks in advance.
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Plant ID help

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A little of my garden

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