<prompt> Human: I never thought I would be this person. I had a 6 month emergency fund, and never used a credit card if I didnt have the cash to pay for something. Now here I am, up at 2 am on a Thursday, because I cant stop thinking about my debt load. A little backstory: Single father who lost his job after a company buyout. I spent a considerable amount of time almost a year unemployed, racking up debt on my credit cards, and taking out a personal loan to cover emergency surgery for my daughter. I now have a steady job, insurance, and take home decent money, but Im drowning in debt. I would welcome any thoughts about how I could attack this mountain of debt. All of my major credit cards are maxed out, or close to it, so my credit scores have suffered to the point of making me ineligible for refinancing any of this. My take home pay is 1,600 bi-weekly. 55kyear pretax. My fixed monthly expenses are as follows: Mortgage: 857.87 Car payment 375 8 APR, 72 months. Was ahead on this by 6 months until I lost my job. Insurance: 200 Cell Phone: 150 I also have a personal loan for 45 more months, and I am including that in the payoff below. Here are my current balances and any notations on them: LenderBalanceInterest RateMinimum PaymentActual PaymentNotes:--:--:--:--:--:--Amex2,90023.99126150NoneCapital One5,30022.99150200NoneChase2,90018.99292000 Intro APR until July of 2016.Bank of America2,20019.99251000 Intro APR until November of 2016.Lowes68018.992575Entire balance is deferred interest until 32017.Barclays3,55022.99552001,500 is deferred interest until 42017 and 1,050 is deferred until 102017. Amazon.com1,20025.9925100Entire balance consists of deferred interest promotions that expire between 62016 and 122016. Im paying 100 this month, 300 in July, 500 in August, and 100 a month until its paid off. Ill be hit with hundreds in interest if I dont pay these amounts.Personal Loan13,17033521.20521.2048 month personal loan.Ive been making more than the minimum on all my cards, but I look at my income, and dont see my bank account balances going up at all this year. I am putting almost every dollar I make towards debt payments, leaving me with almost nothing for food, gas, etc. Please help me wrap my head around this, and let me know what you would do if you were me. I appreciate any assistance you can provide.  <response>: Everyone else has given really good advice...the only thing Id add is giving the credit card companies a call and asking about lowering your interest rates. They might give you a promotional rate, and the worst they could say is no. 