<prompt> Human: Throwaway for obvious reasons.Hello rpersonalfinance. I have been a long time lurker, first time poster coming to you for some advice. After graduating university in 2015 and getting a well-paying job, I got used to a lifestyle that was way out of my financial means. I am currently in a mass of CC, student loan, and car debt. I feel awful about my carelessness, and need some advice. ---Heres my current breakdown:Chase Sapphire: 12k 16.49 APRStudent Loans: 29.5k 4.66 - 6.8 APRCar Loan: 28k 4.84 APRI make 3,900Month after a 2 contribute to my 401k and 1 contribute to my Roth IRA. My current credit score is 673.---My current monthly bills are as follows:Rent: 733MonthUtilities: 100MonthPhone: 100MonthCar Insurance: 3006MonthsCar Payment: 620MonthStudent Loan Payments: 200MonthCC Payment: 500Month or whatever I can dump into it---I feel like Im just treading water with my payments, the interest is building like crazy and Im at a loss for what to do. Ive set a new budget for myself, and havent been using my CC at all since the start of February. I have about 8k in my employee stock purchase plan that I was planning on using to pay off my CC debt, but I dont know how much of a tax hit I would take selling that stock before the Qualified Disposition Date and I would be left with no savings. I feel like a complete idiot, any advice would be graciously appreciated.  <response>: Where does the other 1600 per month go? Thats also an incredibly expensive car. How much is it worth? Can you sell it and get something way cheaper? 