Honestly, carrying credit card debt has got to be up there among the dumbest things an individual can do. Identify the bills for which you paying the most interest and pay them off completely... School loans are usually much lower by comparison so pay the minimum (or possibly see if you can get them deferred for a time period).. and pay off all high-interest debts.

er... i guess I could've just quoted Vi-Zer0Skill's post...

Paying the minimum and trying to move up is an awful idea.