Answer: -If you are stuck and can't pay your credit card you really should come clean with your parents that's what their there for to help you learn from the mistakes you make and if they can't help you no one else will,maybe they will pay it of and you pay them back like its a loan either as you study or when you are finish.I wouldn't like my kids to hide this problem from me as you can get yourself in all sorts of credit debt trouble which will affect the rest of your financial life if its not fixed, -You already realize you screwed yourself on this one, which is good, it means you hopefully will learn from this. This problem later in life means losing your car, garnished wages, losing your home...etc. At least as a student, you can cop out and ask for help from your parents - because if you want to maintain your credit rating, you will need their help.Either get them to co-sign a loan and make min payments, or get them to pay the amount and pay them back, with interest if they ask. I know it's not their problem you didn't understand want verses need, but technically, this is something parents should teach their kids - and if you have loving parents who can help, be very thankful. Not many of us do. The card you have sounds like a store card - don't pay for x# of months? Whatever you do, get the balance of the card before November. Store cards feature the highest rates of all creditor, averaging around 28%.If you don't get your parents to help, you're still going to face a myriad of problems. Even though you have no job, you still *will need* to make the minimum payments on time. That doesn't mean you'll be in the clear either - when a creditor sees your just paying the bare min they will reprice your account with a higher interest rate. They all do it. You may think this is unfair, but sadly, this is what you agreed for when you signed the back of that card. Credit card companies take advantage of our ignorance because we ultimately let them.