<prompt> Human: Hey everyone,I need guidance and I dont know who I can ask in my life. Ive been a long time reader of reddit. I thought I would create an account and give it a go.I work overseas. Im 30 years old with an incredible amount of debt to my name. I owe 15,000 USD with high interest rates in credit card debt. Im from the U.S.Breakdown of debt: 1. I transferred 7,000 of it to one credit card that has zero interest rates until next year. Ive been steadily paying it off.one credit card is 6000 and the interest fees are kicking my ass. I tried calling the bank to see if they could help me out with lowering the fees. They said no. Understandably so. I got myself into this mess with my own decisions. Ive just been paying on the interest.My third credit card is ok for now. I dont use it. Its 2000 bucks and just like the first one, Ive been putting money on it.I want to consolidate. My credit it shot. I tried Prosper, but theyre only offering my 6,000. Theyre the only ones Ive tried so far. Thats how shitty my credit is. I want to consolidate because its been quite hard for me when it comes to paying at three different dates. Also, I want to try and maximise the amount I pay each month under one bill.My credit sucks and Im in a shitload of debt that has me by the throat. My own mistakes. I wont even get into my student loans..Please help. Dont hold back your harsh words. Thanks everyone.Jason  <response>: If you really want help from this sub you will need to list your monthly income, take home pay, and all of your expenses. Take time with this and be as accurate and complete as possible. 