Thanks, folks. I'm mortified that I can't make my monthly payments, and it's really embarrassing. But I figured FReepers would come up with a good solution.
Yes, but as others have said, you're not alone. And I suspect it's far more shameful to walk away from the debt than it is to try and make good on it when you're back on your feet.
Hang in there. FWIW, I think you've done the right thing to admit there's a problem, ask for help, and then to follow what you consider to sage advice.