<prompt> Human: Hi guys!First off, Id like to say thanks in advance for any and all advice thats given. I cant thank each and everyone of you personally, but please know that it means a lot.Im currently 23 years old and I have a -lot- of debt that I need to pay off. Heres a list of whats currently on my plate:- 200 - WaMu Bank Account Closed due to being in the negative - 1200 - Wells Fargo Closed due to being in the negative- 2200 - Owe to a college Financial aid didnt kick in and I took the classes- 2900 - Capital One CC Defaulted- 2900 - Bank of America CC Defaulted- 500 - First Premier Bank CC Defaulted- 34,000 - Student loans currently in forbearanceI wont bore with you specifics on how I got into this mess, but please know that I was really, really struggling at the time and didnt do any of this on purpose. Ive lived on my own since I was 17 so it was extremely hard getting to where I am now. However, Im currently making 15hr and Im happy to have friends helping me out. Im hoping to take this advantage to pay down some of my debt but need some help on where to start.Im taking in about 940 each paycheck every 2 weeks and have the following to pay each month:- 150 - Rent- 70 - Storage I keep all my old stuff in here, mostly furniture- 100 - Car Insurance- 160 - Car Payment- 90 - Gas 45 every 2 weeks- 200 - Food 100 every 2 weeksThis leaves around 1,100 left, which I plan to just power pay off as much debt as I can. I guess the question is, where should I start?  <response>: Too bad you are in this position; good of you to try to struggle out of it. It will be a lot of struggling, but itll be worth it in the end. The non-student loans are a total of about 10k. I think you should focus on these first. I dont know when the minimum payments on the student loans kick in, but itll probably be at least half a year? In that time, you could pay off most of your other debt yeay for you!. Whats also important is to have an emergency fund. So I would save up some money, too. Imagine your car breaks down and needs a 500 repair, or imagine a health problem that you need to get treated before it gets worse. So I would put 1k somewhere in a savings or checkings account as a mini-emergency fund. In the future, after youve paid these debts, youd have to add some more to that to make it a fully functional emergency fund which could also help you out in case you lose your job or get a larger bill or suddenly need a new car, etc. People say it should hold about 6 months of your normal expenses. But for now, have a mini-one. I notice that many or all of the debts are defaulted. This probably means that they have more or less given up on you and dont contact you all the time? Which, in turn, means that you can contact them and ask for a better deal. Often creditors are happy that they can get something from you instead of nothing, and so you have some negotiating space on how much youll have to pay.I would save up for a month or two which would get you about 1.2 k; the other 1k you save during that time goes to the emergency fund and then I would call WaMu and First Premier Bank CC and tell them you can pay them in one go, but you can pay 180 WaMu or 400 to 450 First Premier Bank, and are they OK with that and will they then send you a paper stating that you are done with those debts? If this works, youll have about 620 left. And be sure youll get it on paper that you paid WaMu and First Premier Bank and that youre done with them. The 620 will need to stay until he next month, when you get about 1.1 k extra and can call Wells Fargo and negotiate another deal with them. Maybe theyll let you off the hook if you pay 1k? I dont know whether you want to do this, or whether you feel you should pay everything, because you owe it. That is up to you. But calling wont hurt you they cant suddenly raise the amount you owe just because you called and it could help. Be sure to call only when you have the money to pay off that debt in full even though you may offer less, otherwise you could get another we need that money now - I dont have it now debate, as you had in the past. Paying off the debt with the highest interest rate first is smartest and then the one with the second-highest interest rate etc. It will save you the most money in the long run. But others do pay off the smallest debt first independent of its interest rate, just because it feels so good. Since you can pay off all these consumer debts within a year yes you can!, the extra interest caused by this second strategy wont be a lot. And the psychological effect of getting one or two creditors of that list, will be great. To motivate you more: keep a list of how much you owe and to whom. Use a big red pen to mark any creditor that youve paid in full. Make a graph of the amount owed and see it go down each month. Report here for some extra cheering.Good luck. 