<prompt> Human: Well, Im in pretty bad debt. Im not exactly sure where to start to fix the issue. My current debt:School - 900 from a year ago - was unable to pay for a semesterCard 1 - 2,000Card 2 - 500Card 3 - 400And 400 that went to collections that I owe on.My credit score is 592.My monthly income is roughly 1,548. My rentutilities is 648month.Gym membership is 27month.Average gas cost for car is 151month.In terms of groceries or other things, I try to be as absolutely cheap as possible, only buying things on sale hello, freezer full of 99clb chicken breast and frequent places like Aldi or farmers markets for produce. I want to get this debt paid down as much as possible and as quickly as possible.I do have a tax return from 2012 that I did not file that is being processed by the IRS which will give me 1,728 back. I also am expecting about 1,200 on my 2014 return. I have a credit card offer in front of me for 1,500 from Capital One Platinum Visa. 23.9 APR. 75 annual membership fee first year, 99year after that. 19year authorized user participation fee. Would this be something that could help me consolidate the debt into one payment?Im coming here for advice on what to do and how to get this down to zero as quickly as possible.  <response>: So you owe 4200 total if my math is correct?And you are expecting 2928 back on your taxes?Put all that money towards your debt and youll be left with 1272 owed.You should be able to wipe that amount out pretty easily. 