<prompt> Human: So I am a current Resident Physician. I currently make about 59k year about 800wk after taxes. I am looking to specialize for 3 more years starting in July of 2016. My pay should be approximately 65-75kyear then for 3 years.Then starting salaries for my specialty should be between 250k-400k year.I have the following debt:Student Loans: Approximately 200,000 50 at 4.7 and 50 at 7.2 interest I am currently not making any payments and am in Economic Hardship Deferment.Credit Card: 3000 with 27 APR 24688.84 with 0 APR for approximately 6 more monthsLoans:Lending Club 1: Consolidation loan - 2387 remaining principal - 22.81 APR - 12 months left at 220.09monthLending Club 2: Consolidation loan - 2387 remaining principal - 14.85 APR - 31 months left at 278.97monthLoan from Girlfriend - 9000 no interest, just feel crappy about owing herLoan from Grandmother - 14000 no interest, just feel crappy about owing herCar Loan:19752.89 - 389.99 month payments 5.64, for another 58 monthsRent: 1945.00month split with girlfriend 972.50 monthMy only other monthly commitments are Car insurance about 100month, Gas 50 month, groceriestoiletriesetc 150-200 month, 300month split to 150month utilities.My credit rating is about 640.I dont have any available credit cards balance transfers.Trying to figure out what my next step should be to get out of this mess is.The plan is pay off all debts in order of Interest rate.Assume the car is something I cannot get rid of and must continue to make payments for at least the next 3 years a complicated story Id rather not get into, though I know it would be ideal to get rid of this first to help pay off some of my higher interest rate loans.So right now my monthly incomedebts are:3450 Monthly Salary-972.50 Rent-50 Gas-200 GroceriesToiletries-100 Insurance-389.99 Car payment-220.09 Lending club 1-278.97 Lending club 2 -150 - UtilitiesAny advice? I made poor financial decisions in the past, Im striving to be better going forward.  <response>: You list 2400 in expenses and list 3450 in income. Where is the rest of the money going? Tracking down that money is step 1.You should have 1000 to put towards additional debt payments. Use snowball method on the credit card and the lending clubs. Once those debts are cleared, then pay off your girlfriend and grandmother while also building your emergency fund.You might want to consider moving to a cheaper place, although thats not necessary especially if you live right next to your hospital. Once youre out of debt and have some savings, you might want to consider selling your car and buying a cheaper one for now.The main problem though, at least it looks like this, is that youre living as if you make more money than you do. I would imagine that most of the consumer debt CCs and lending club is due to making financial decisions that you couldnt afford to make. If you dont clear that up before you make the big money, it could result in living like this for much longer. 