@Blast: I'm on the "Freedom 85" retirement plan myself. :-)

@Arney:

I really question a plan that involves hopping from credit card to credit card. That's like fending off circling sharks with a broom handle.

IMO, this person needs to consolidate and control debt while they are still working and have a cash flow to demonstrate to a reputable lender.

If I were in this fix, I would swallow my pride and get the help of a credit counselling service. Some are not-for-profit, and can help immensely with the big picture, suggesting options and even helping negotiate better deals with creditors.

Best of luck.