<prompt> Human: So, today I sat down to make myself a handy-dandy spreadsheet to figure out my monthly payments, understand wherehow I am really spending, and figure out how to maximize what I am putting away, based on my semi-monthly paycheck. My GF was shy to the idea, and as we dug into what she had to pay each month, the Credit Card bills just kept piling up. Its roughly 20k in debt, spread across 6 different cards. Ive always done my best to never spend money I do not have, but upon finding this out - aside from her being super depressed about her value as a human something I have vehemently protested - I am wondering what the best way to solve for this debt is. She doesnt make a lot, and about 80 of her monthly income is going towards necessities, leaving her little room to pay off her 6 different cards. At best she pays minimums, but even then cant afford them all.How can we solve this? Whats the best plan of attack? Her cards are close to maxed out so theres no wiggle room to consolidate. Is bankruptcy the right option here?TL;DR - My GF is 20k in debt on credit cards alone, and can only pay minimums on some of the 6 cards each month. What is the best way to get this debt wiped clean?Thanks for serious answers!  <response>: Were not really keen on being rsomeoneelsesfinances, in general, even though we get that you are trying to help.She has to find a way to increase income andor reduce expenses. If you want to send her by to share that info, that would be a way to get the discussion going with her. Without that, this is sort of academic at best. Bankruptcy is a pretty disruptive solution here, and if shes still going to be spending more than she makes anyway, it may not help all that much. 