I came across this website of a girl asking to help pay off her 20k in CC debt. ( I think it's old, I remember hearing about this or another person like this a while back)
http://savekaryn-originalsite.com
I guess it would be one thing if she was a single mother and had to put child care on the credit cards over the years. But she admits that she was just out in NY having fun, and spending money she didn't have.
This girl had daily blogs giving progress, and personal updates. What I found amazing was that she was still going out to eat, having her dog groomed, and reminding female readers of the latest sales at Victoria Secret.
The whole thing was amazing to read really. She had most of it paid off and over 2 million hits to the site.
How could anybody give this girl money...if she was still spending money?
If I had that kind of debt, I would eat beans/rice, wash my dog myself, cancel cable, make any sacrifice I could, live in a box, until it was paid off. I'd do what I had to do.