Dear Money Lady, I’m embarrassed to admit this, but I don’t know what to do. I have about $63,000 in credit card debt that I have been trying to pay off for over 2 years. Some of this is school debt, but mainly it’s just debt from everyday living. I just finished my university degree, but I hardly earn enough to pay rent and food every month. A friend said I should declare bankruptcy, but my parents think that I should keep trying to pay it off. I’m not a bad person, but I feel ashamed and overwhelmed. Help! Jen P. FL