<prompt> Human: I have 30k amassed over 3 cards during the past several years. The reason was that I was irresponsible. Also, the fact I made 25k yearly in NYC with medical bills and a year off for vocational school didnt help either.Now I have a higher paying job 65k and want to eliminate the debt as fast as I can. I do have a Chase cc that I signed up for using the 0 balance transfer but that promotional period is up. I also dont currently have any offers for a low rate balance transfer. I called around my cards to try and reduce my interest rate but they said it wasnt an option. Im also getting the discover personal loan flyers in the mail and might have to consider that 10. I dont know if theres a catch with those though.Card 1 - 13k 16 aprCard 2 - 12k 16 aprCard 3 - 5k 17 aprI know any free cash I have goes towards the debt. I ask if anyone knows a solution to reduce my interests rates as much as possible through a legit way.Budget:270month - public transport no car90month - phone1050month - housing150month - utilities300month - foodplus the monthly cc payments  <response>: We need your entire budget, please. 