where her’s is on like 10 cc’s/accounts. so her monthly minimal payment will be more than yours. that is what makes it so much harder.
but she is not in as bad shape as she thinks she is in. slow, yes, it will be a slow process, but because she has some debts with small balances, the snowball will build up nicely over some time!
good luck!
Ok, here’s something else that should encourage you. My total debt is close to $55,000, and I don’t have any car payment. I have *1* CC with a balance of $31,800. I also have a mortgage payment of $840, and I bring home $300 less than you do($2600/month). If *I* can do it, you DEFINITELY can do it.