What are you doing? 5K debt in cards and you decide to take an auto loan and enroll for classes you cannot afford? What?
No. You do not take out a loan to pay off the CC's. No. No. NOOOO! You buckle down, cancel all extras like the internet, get roommates, cancel the classes and work like the devil to put every single spare cent toward the cards and the auto loan.
I cannot believe you got an auto loan! I am pretty sure you could not get a loan to pay off your debt!
Get control of yourself. Live within your means and when summer comes you get a summer job and work just as many hours as you can physically handle and pay off your debt. Buy absolutely NOTHING not required to keep you healthy and safe. No clothes, no dinners out, no movies, no treats. Bag your lunch, have shared dinners at homes with other friends and get movies for free from the library. No cell phones, no internet, no cable... You are not actually getting started in life until you are rid of that debt. Really. Think about it.
Never run a balance on the CC's again. No more cars you cannot afford to buy easily. SAVE before purchases.
Lordy - no more loans.