<prompt> Human: 30 yo divorced male here. I dont want to get into specifics but I have a tech related degree from a very good school and i have no trouble finding well paying jobs - which really makes this more embarrassing hence the throwaway a few years ago my so left me, my job was stressingpressuringme to epic levels and i started having seizures. i hit a depression and kind of gave up and just started stupidly spending money on anything i thought would make me happy. opened a bunch of credit cards, maxed them like an idiot and now im struggling to pay it down even making close to 6 figures.several ambulance rides, mris, specialist visits, etc have also racked up a decent amount of medical debt despite having insurance. epilepsy sucks.i do want to say im no longer doing the stupid shit financially that i was 1-2 years ago and i just want to start making some progress on paying these down because i worry non stop about it.heres my basic monthly incomedebt amounts.ccs : 18k interest is molesting me i feel like i can never pay them down atthis pointstudent loans: 10k 200 a monthmortgageinsuranceprop tax: 820 monthinternets: 50 monthutilities:200ishmo avgd over the yeari paid my medical bills immediately which may have been a mistake.food im very frugal about and i use public transit to get to work and back.no car payment or insurance i dont drive because of... epilepsy! i even sold my dream car... wrx... for more than i bought it because i knew it was financially dumb to have an expensive car and not be able to drive 9 months a year. After i sold it i bought a modest car old outback that i have no payment on and i can do every repair myself because i essentially took apart everything but the engine on my wrx engineering is in my genetics and all subarus are similar and easier to work on when they arent turbocharged with 375 hp.if youre still reading, i admire you.SO. bottom line. these credit card debts are murdering me. i hope anyone reading this can learn from my mistakes.oh yes most importantly my income, 2600 bi weekly after taxes.i own my home. ive never missed a mortgage payment. i have missed a couple cc payments and i know my credit score is provably shit im too scared to check it. please, all of you brilliant people here in personalfinance guide me to getting out of this cc debt hell hole. do i consolidate with one of those scammy looking services? do i call and tell them about my lifethreatening epilepsy and try to get s better interest rate? this shit stresses me out and gives me so much anxiety that it has caused me several grand mal seizures. but i know i can get through this im passed the point of stupid spending now i need to know the best way to get out of it. TLDR: got myself into cc debt, make decent money, never miss my mortgage or other bills just missed a couple cc payments. what is the best way out?thank you all in advance for your help  <response>: Ynab.You need a budget. With the bills you list plus food you have 3k unaccounted for every month. That should go a long way to paying things off. 