<prompt> Human: Ok so basically I tried to start my credit at a very young age assuming I can handle it all on my own unsurprisingly in over a 4 year period now owe a whopping 20,000 debt in a mix of loans and credit card payments and child support 9,000 in credit cards7,000 in loans3,000 child supportI bring home about 2,400 a month my only other expenses are gas and food.I really wish I could get a car this year but I dont think thats happening any tips ?? Should I get another job ? I am currently enrolled in a debt relief program with national debt relief can anyone give me any feed back on that decision I made. I want to get my future started ASAP please help  <response>: You dont need a debt relief program to waste your money on and further destroy your credit. Get another job and reduce your expenses to only essentials so that you can pay off your debts aggressively.You arent listing your expenses each month so its hard to help beyond that. 