Take a deep breath. This feeling of claustrophobia gets to all of us at times. Come up with a plan and stick with it. Discipline, while less fun, can make you feel really good and can be a turning point in your life. Hey, and there is always bankruptcy. I know somebody who is going through it right now because it was compounding faster than he could pay it off. Sometimes (definitely not always) it's the right option (comes with a bunch of other side effects). Tell your girlfriend too. Maybe she can help you with your plan. :) Best of luck (email in profile if you want to chat).