<prompt> Human: Alright Im going to be completely honest, I have analysis paralysis and I have no idea where to start on my debt. I have made REALLY bad choices when I was in college. I have over 100K debt mixed between credit cards, student loan, and car. Im currently paid 84K bonusPaid:2200 bi-weeklyRent: 1150Bills and Utilities: 350 per monthGroceries 100 bi-weeklyGas: 60 bi-weeklyCredit Card Debt:CC1: 180.69 19 CC2: 700 0 until April 2019 CC3: 4800 23CC4: 7300 26CC5: 8000 16.99CC6: 5600 16Student Loan Debt:SL1: 2630 6.55 SL2: 5800 5.995SL3: 5600 2.4SL4: 16917 8.28 SL5: 18192 5.75SL6: 1699 6.8SL7: 1590 4.5SL8: 4300 6.8 SL9: 4000 5.6SL10: 8500 6.8SL11: 4200 6.8SL12: 4900 6.8Auto Loan:20000 4I dont know where to start. I feel so lost. Any help would be appreciatedAssistant: I think the first thing you need to do is pull that train into consolidation station. See if you can get a personal loan to wipe all the credit cards and have one payment with a reasonable interest rate from a credit union or bank. Then put the credit cards away. You are now operating on a cash basis. The student loans should also try to be consolidated. Basically though, you need to cut expenses and increase pay back. On an 84k salary as single person you should be able to knock this down rather quickly. Any year end bonus you receive should go directly to debt paydown and nowhere else. Human: Is Consolidation a bad thing? Ive been hearing all about it but Ive heard if you can make payments on all and be ok then theres no need for it?  <response>: The idea is to lower your interest rate so that it is manageable while also simplifying your life with one bill instead of the twenty listed above. 