<prompt> Human: 20,000 is credit cards 18 average10,000 is student loans 6 average7,000 is an auto loan 6Id like to pay everything off within about 12 months, and Id prefer to just make a single large payment 1-2K per month to one entity if possible. I have poor credit now mostly due to near 100 credit utilization. What are my options? Will any entity let me consolidate all of this together? Better Ideas?Thanks,PI  <response>: You should make a household budget so you know how much you have to put towards your debts. Include the minimum payments youre making now in your budget. Do you have an emergency fund? If not you should save up 4-8 months of expenses in a savings account in case you lost your source of income or had some other emergency. Once you know how much extra spending money you have every month and you have your emergency fund built up, put the rest or however much you decide to towards your highest-interest loan. Once that is done put the extra money towards the next-highest loan, etc. 