<prompt> Human: Hey Reddit!Im a 22 year old, trying to get his shit together. Ive started budgeting everything out but I cant quite get ahead no matter how hard I try. I do live with family still mom and grandparents so when I start to save money, sometimes that goes away because they need help with bills also. I have a car 15,637 still owed on it and three credit cards a total of a 5,500 balance out of just shy of 10,000 worth of credit to use most of the high balances come from paying my moms bills. But some of it came from when I lived with my dad last year I worked for his company and he didnt pay me, I had to use my credit cards to survive waiting for him to give me a fraction of the money he owed so I could pay my minimums.I dont have any school debt, as I put off school in order to work, I knew if I went right away I wouldnt have taken it seriously, that it wouldve been a waste of money and a bad move on my part at the time. I do plan to start online school next January, to start working towards a degree. I work in retail making 14.50 an hour as a floor supervisor, at roughly 36 hours a week. There are plenty of chances for growth later this year I am supposed to start working on my path to an assistant store manager position making between 17- 20. I have considered taking out a loan to put everything on a smaller payment, I have done the math at what I believe is a higher percent then what I would be paying 12.5 at 60 months I have done the math of 20,000, 25,000, and 30,000. I have a credit score of 712, Ive never missed a payment, so I feel like the interest rate would be lower than the 12.5 I did the math at. But with the 12.5 the monthly total would be much cheaper then what I have for bills currently. The total of my debt is a little over 21,000, so I have considered taking out more then I need I.e the 30,000 idea for a loan to keep the money not used in my savings account paying it back a little more then the minimum, plus the money Id use on bills to pay the loan off faster then the 60 months Id want to have to pay the loan off. I have already done meal prepping, planning out events further in advance and only going out when I have the extra money to spend, but I cant save money paying the bills I have each month, especially because one credit card is at a 4,200 balance, and essentially I am only able to pay the interest each month, not being able to catch up nor save any money. Would taking out a loan be in my best interest? Would it actually help me get ahead with saving, as long as I budget correctly? Or would it be a bad decision. I know this is a lot of information, but I dont think Im going to be able to get anything in order if I keep living like this. Id appreciate any kind of help anyone can offer, I really dont know what to do.  <response>: Look into a card with a balance transfer.Consider credit counseling.But avoid loans.With that kind of debt, youre not going to get yourself anything that will save you money in the long run. 