<prompt> Human: Started seriously trying to get my debt under control in February 2015, at which point I created a spreadsheet of all my debt to track monthly suggestion from forum and found I had 88,392.72 in debt. This was split between 39k in credit card, 36k in student loans, and 14k in car loan. The credit card debt was a combination of some unexpectedunfortunate circumstances, and bad decisions.I started by consolidating my credit into a consolidated loan with lower interest suggestion from here. I then prioritized loans based on interest rates suggestion from here also. I reduced expenses got rid of TV service, downgraded phone plan, got a lower rent apartment, didnt travel as much, ate out much less, started doing meal prep, etc - also suggestions from here, and made some extra cash where I could.Now, Im at:Credit card: paid off monthly, 0 balance!Consolidated loan: 18k;Student loans: 20k;Car loan: 1.5k;So a total of a little under 40k, as mentioned above.I do fall into a somewhat higher income bracket, but getting to this point did require sacrifice - I decided not to buy a home at this time to focus on debt, and reduced expenses as per above, among other things.I havent managed to put as much into savings as I would like, and am starting to focus on that more now that I have the debt more under control. I should note though that during the same period I did increase my retirement savings by about 80 through employer my contributions, plus an upturn in the economy.Looking forward to hopefully being debt free in about 1.5 years, or less!Edit: Id rather not give my exact income for privacy reasons, but since people keep asking, I would estimate I was putting in the area of 40 of my take-home pay toward debt reduction.  <response>: Ignore the naysayers, OP. Good decisions are good decisions. You should be proud of your accomplishment. 