The problem is the interest rate and how much you are paying. You are not paying enough to offset the interest charges AND chip away at principle. What you need to DO is pay MORE each month so you not only offset the interest charged for that month, but reduce the balance of the loan as well! Treat this like a mortgage. Dig out an excel spread sheet and plug in the balance outstanding, the current interest rate and then assume 5 years for the time period, and then have it calculate the payment you SHOULD be making to pay off the balance in 5 years. I see you had a year plus where you made NO payments, and THAT is where you got hit for interest, big time! Every month you went without making a payment, they ADDED interest to what you owed! And THAT is how you went from initial 8959 to 10648.62. My mortgage calculator says that for a present value of 9288, with an annual interest rate of 13.25% for 60 months, you should be paying 212.55 per month. To pay it off in 24 months, the payment works out to be 442.71. So, get out a mortgage calculator, like the financial functions in Excel and figure out how much you can afford and then do the math. By the way, based on your numbers above, you have only paid on average 156 per month (for a car payment, this should be 212.55 for a 5 year loan), which barely puts a dent in principle after paying off the added month of interest since the past payment. It is NO WONDER you are still in such bad shape! Use a mortgage calculator, do the math for a fixed period of time to calculate the payment schedule and them make the payments! And the good thing is, if you DO make the scheduled payments, your loan WILL be paid off completely at the end of the time period you chose... I used 5 years and 2 years in my sample calculations, choose whatever YOU want. You DO realize that for something like a credit card, if you make the minimum payment, it will take over 20 years to pay off the current balance and accrued interest charges? AND 98% of all the dollars you PAY will go toward interest? A 2 dollar loan will cost you 100 dollars to pay back if you pay the minimum payment that they tell you! They do NOT want you to get out of debt. They see YOU as a cash cow if you pay the minimum... And THAT is why it is NOT going down as you think it should. You do NOT need a financial consultant. THAT guy, you will have to PAY to tell you exactly what I've said HERE. MY advice is totally FREE and I even got paid 2 points! Get a calculator and do the math... If you have a spreadsheet program, USE it to do the financial calculations!
Bottom line: pay as much as you CAN, OVER the minimum, each and every month, the more the better, the sooner the better.