That Is a messed up sitch. First thing I would do is get the lowest interest rate card you can find, (some banks offer student low interest cards with low balances.) and have some little things on re-occurring payments. Like cell-phone bill, smaller snacks, and things, (ONLY THINGS THAT YOU WOULD HAVE PAID FOR IN CASH OTHERWISE) and just keep paying it down to 0 everytimè. Itll jump back up Soo fast.