Credit Advice

Worry first about your financial well being then about the credit scores. That siad consider your credit score -- what is it right now? Because if it is too low you will not get approved for a new card and you won't be able to transfer balances. You need to get control of your finances. That means making a budget (includign emergency fund) of essentials and attack the debt. To improve your credit score you need to get your utilization on each card to below 50% then below 30%. To improve your finances though you would make min payments on all cards and anything else you can ont he highest interestt rate card. Then when that one is paid off do not cancel it -- keep it around, but roll all that you were paying on that card as payment to the next highest interest rate card etc. Of course if those debts are close to their 7 yr mark you may choose to ignore them. But then colectors will come after you if they haven;t already and you ahev to deal with that.  

Are you working full time yet and if credit score is acceptable you may be able to balance transfer.  You must write everthing down for your monthly expenses or use Quikens budget software.  I mean you must really work hard at controlling your budget.  If you get the transfer you will have available credit and must not rely on that available credit.  Look up budget tips online for help.  For example I used to spend $1.50 a day on a cola or about $40 per month.  Now I get three huge bottles of soda/pop at the dollar store for $3 per month.  Go fiqure and Good Luck.