<prompt> Human: Im a 28 yo accountant with an annual salary of 55k. Credit score is 699. I have not been responsible with my credit card debts and am currently up to approx. 20k spread over 5 cards. I am currently paying approx 200 to each card a month and am projected to pay it off at the end of the calendar year. I also have 17k in student loan debt with the govt, currently deferring to pay the credit cards off... any advice on how to tackle my debt? Is deferring my student loan debt going to bite me in the ass eventually? The credit card debt interest rates are higher which is why im deferring.  <response>: If youre an accountant, it seems like you should be able to run the numbers to see:- how youre not going to pay it off this year paying 200 a card- what youre paying in interest in keeping this debt- which are the highest interest rate cards 