I love having 3 vehicles as well (well had 3 vehicles) but I'm financially responsible. all the vehicles are paid off and I have no debt short of the home mortgage.

yes this is unsolicited advice and most likely you wont listen and just ignore it. but sell all the cars like you said, if you needed to you can borrow your parents car. pay down all your debts. if you can only sell the prelude at a loss then use the money you took out from your education fund to make up the difference and pay it off then also the bike.

don't fall into the stereo typical young kid in trouble with credit who thinks those with more experience is just preaching and nothing more. like jaymar i've been in similar shoes, 15K in CC, 18K car loan. learn from our experience and take our advice.