Student loans, credit cards and overdrafts,,,a big no no

Where-ever I go and who-ever I talk to, the 'credit crunch' ALWAYS comes up. And it is really irritating... I don't care if I sound like a whiney little baby right now, but I REALLY hate the sight of my student loans statement. The best thing about the recession is that the interest rates have been cut but the worst thing is, is that the rates for our student loans haven’t changed. AND I have my credit card bill to pay for on top of going over my overdraft limit... looks like I'm going to be in more debt than I thought!