<prompt> Human: Im 28 and make 75k a year. After taxes i make about 3k a mo 1600 a paycheck every 2 weeks. I dont know what to do...should I try and negotiate and risk tanking my already abysmal score 580 after dropping from 765 or do I work hard and pay it back with a budget? I dont know where to begin. my mortgage is 1180Edit: link to budget  <response>: Do the Avalanche method. Attack your highest interest credit card. Pay the minimum on everything else. Just stick to the plan and do whatever you can to keep expenses as low as possible. 