<prompt> Human: So, a bit of background... I racked up about 55,000 in debt within a two year span of time. A breakdown is as follows:23,000 in credit cards30,000 in student loans deferred5,000 in misc debts collections accountsWhat is my best method for approaching this debt? Ive heard about debt consolidation programs, the comparison to debt management programs, and debt relief programs and Im completely lost. Im currently working a full time job on a full commission basis. Its looking like Im going to be making about 36k pre tax here my first year and upwards each year after that because my book of business renews and I add to it. I also have 6,000 in cash saved.  <response>: 23,000 in credit cardsWoof, what happened here? At this point, youre gonna want to throw all your money at this until it gets paid down, which may be a while on your current income. Outside of increasing income and reducing expenses, I would look into debt consolidation if possible. Those interest rates must be killer. 