<prompt> Human: So a little backstory:Im 21 years old and due to poor financial decisionsblunders, I have a scary amount of debt and nothing to really show for it. Im currently and E-5 in the military and my housing allowance is about to kick in next month 1300 extra a month roughly so I will be making around 1800-2000 bi-weekly. My credit debt is roughly 14,000 dollars and I dont know how to bring it down. I have 0 missed or late payments on anything including my car note, loans, etc. but I feel hopeless in getting out of debt due to personal loans and the ridiculous amount of credit debt I have accrued. I need advice.  <response>: Use the resources available to you. Make an appointment with a financial counselor at your bases community services ACS, AFRC, FFSC, or MCCS or through Military One Source. Make sure you can provide them with ALL the details on your bills and debts including balances, interest rates, and minimum payments. If you dont know what youre spending on the little stuff, like food, gas, clothes, snacks, alcohol, pets, subscriptions, whatever, start tracking now. When you sit down with the financial counselor, theyll help you cooker up with a workable budget and develop a plan for getting out of debt. In the meantime,1. Spend as little as possible.2. Pay the minimums on all debts.3. Put whatevers left toward your highest interest debt.You may also want to save a small emergency fund. I wouldnt do more than 500 until you get at least some of the debt paid down. If you get in a real emergency, you can always request assistance from your branchs aid Society AER, AFAS, NMCRS, or CGMA.Clearly, youre doing some things right. Youre an E-5 at age 21 and your housing expenses are half of your BAH. You have a great opportunity to get on track and start building. Keep working at it and ask for the help you need. 