<prompt> Human: Heres the breakdown of my debt: 39,000 in student loans 3.5-45000 in combined CC debt 2 cards8500 in a car loan 5.5 My credit score right now is around 680.I am working to save up 1000 and then start killing the CC debt. Ive thought about opening a 3rd card to try and transfer all balances over to the new card and pay on just the principle balance, but Im unsure if thats wise. I make about 15hr but Im trying to find a better paying job where my degree can be used. I also recently got a 2nd job teaching online at my own pace so Im going to hopefully supplement some income with that. But from an outsiders POV - is this a crazy amount of debt? And whats the bestsmartest way to attack this as aggressively as I can? EDIT- I dont know if anyone will see this. But for some perspective heres a breakdown of my monthly obligations. My paychecks are around 950 every other week.RENT 540GAS BILL 50CAR INSURANCE 120VISA 30 WATER 40GYM 22PHONE 60CABLE 60ELECTRIC 60CAR PAYMENT 170DISCOVER CARD 80ICLOUD STORAGE1IDENTITY PROTECTION 4GROCERIESHOME GOODS175GAS 50CAR MAINTENANCE 190DOG 55SAVINGS 100EDIT PART 2 - I save 190mo for my car maintenance partly bc I need new tires in a few months. My old beater car was stolen last year by some meth heads and I really wanted something reliable, so I bought a 2012 Ford Focus for like 9000. Now Im thinking maybe it was the wrong decision?  <response>: Transferring the balance is only a good idea if you plan on being responsible and not use any more credit cards. Basically transfer the balance and cut the cards up. 