<prompt> Human: Hey personalfinance,Im located in Vancouver, BC and could use some help from people more knowledgeable than myself about my course of action here. I have about 11,000 in credit card debt CIBC Visa, and owe 29,000 of a possible 35,000 on a line of credit with CIBC prime 4.3 that was taken out in 2008 for my schooling. I graduated school in 2010 so obviously should have it paid off by now but have been living above my means have been working on buckling down and saving for the last few months. Im currently in a masters program done in June that is about 15,000 over two years. I currently make around 100,000yr, with my after tax pay cheques totaling about 6,000 every month. I pay 1,500month for my rent and own my car outright although have had to put a lot into repairs lately. What is my course of action here? Would I be able to find a loan with a better rate than what I currently have with CIBC? Should I find a low interest credit card? I was told I should check out some of the local credit unions specifically Van City to see what they could offer me. Also, Im a teacher and not sure what local credit unions my school board has ties with. x200B;Going to look for some professional help but was hoping I might also gain some insight from you folks. Thanks!  <response>: I currently make around 100,000yr, with my after tax pay cheques totaling about 6,000 every month. I pay 1,500month for my rent and own my car outright although have had to put a lot into repairs lately. You take home 6,000 a month.Rent takes up 1,500 of itWheres the other 4,500month going? 