student's credit card debt

You will not be able to defer payment untiil you are done with college. Credit cards simply don't work like that. You will most likely have to get a job while in school to make at least the minimum payments.

Mike, you can consolidate your debts, so that you can make a single monthly payment instead of three payments separately on the three cards. You can do that by transferring the balances from high interest ones to a low interest one. If this does not seem a viable option, you can join a debt consolidation company to help you in consolidating your debts. For consolidation companies you can refer http://www.debtconsolidationcare.com/ranking-chart/ .

Another thing that you can consider is getting a part time job. This can help you to deal with your debt problem :)

Get a job.

It is the best bet. Also, cut down on spending. 12k in credit card debt is high for four years of college. It means you have not cut back. Don't spend your future wages now... it will cost you nearly double!

Quote:

Mike, I'ld suggest you to consolidate your debts on your own since you don't have a job as of now. But first, you’ve to seriously consider getting a job, a part-time one for now. Surf the internet and get some online jobs where you can work at your convenient time. These online companies pay well but check their testimonial and payment pages before joining.

You should also try some budgeting. $12,000 debt in 4 years of college is a huge amount. Try to cut down on your spending and save more. Try to use your cards as less as possible. Cut down on your luxuries and use the money you save from this to pay off your debts.

Regarding consolidating your debts, as SC has written, transfer the balances from high interest cards to a lower one. Then, try to pay them off.