<prompt> Human: Went traveling throughout the last two years and now racked up 15k worth of debt . Getting smacked with interest up to around 300 a month through the 3 cards. I thought interest was an ANNUAL fee not a monthly one, so now Im in panic mode. Got a chase sapphire preferred, Chase freedom, and Bank of America cash rewards all at around 20APR. I was thinking of getting a personal loan and paying off one of them completely first. I to get a balance transfer card for 0APR rate but was denied due to my outstanding balances I owe. Currently making 15hr part time 25hrs,part time in school, with rent about nice 600 a month hitting me hard, so trying to get some advice on friends of reddit! I was trying to pay off my biggest balance first around 6k on chase sapphire by pumping around 400 a month into instead of the minimum around 200. Any resources you all would recommend? I thought a personal loan would be best but theres just so much info out there I thought Id ask people who have been in a similar position perhaps!Assistant: When you spent 15k on travel what was your plan for paying it off? You can always quit school and get a full-time job. Did you have another plan for the CC debt because it doesnt seem like your income can support much beyond rent and living expenses? Are you able to get a 0 CC?Human: I thought interest was an annual fee and was trying to build travel points. When I realized interest is a monthly fee thats when the panic now sets in... Assistant: That still doesnt answer the question. Even if you thought the interest fee was an annual one, you did realize you had to pay a minimum every month right? Okay, lets say you didnt know that, how did you expect to pay them all back when that day 365 comes? You said you make 15hr working 25 a week, thats roughly 1500 before taxes. Then subtract 600 per month for the rent will get you around 900. 90012 10,800 BEFORE TAXES. Lets unrealistically pretend that you dont spend more than a dime outside of you rent and saved every penny, you would still be miles away from paying off the 15k credit debt. So what was your plan?Let this be a huge lesson for you. Make sure you read the fine prints and FULLY understand something before blowing the money away. Or better yet, NEVER LIVE ABOVE YOUR MEANS. Unless you fully know what youre doing which I still wouldnt recommend or its a life emergency, treat your credit card like your debit card. If you cant pay off the statement by the end of the month, DONT SWIPE IT.Human: Yeah I didnt have a plan which is stupid of me, but thankfully I have room to learn still being 22. I built up 15k over 2 years and figured if I paid it by the month it would be worth the life investment of traveling which sounds stupid at this point. Was in that eh I have nothing going for me in my life I wanna travel so lets just drop everything and go! mindset. Never using a card again for a long time now Assistant: Just curious, where did u go?Human: Japan 3 Times, Australia, New Zealand, Germany, Denmark, Poland, Vietnam, Korea. Had the time of my life and now paying for it hard  <response>: You had some great experiences! Now its time for the great experience of paying them off! You can do it! I payed off 11 k in two years by being committed and working my ass off. 