If you were really desperate and didn't care....you could simply walk away. Pack everything up, move into an apartment near your school and let the house go. Let it go into delinquency and let them foreclose. It would screw your credit for about 7 years, but how much to you really use credit for? You're not declaring bankruptcy and I don't think the credit cards would screw with you as long as you were making *their* payments.

Just a thought.