<prompt> Human: Hey guys.. this is my first post. Im a long time Reddit lurker but really need some finance advice so taking the plunge into posting..During my early 20s I accumulated a large CC debt now approx 12000 over 2 separate Cards, I was travelling the past 2 years and avoiding responsibility so the last have just paid the minimum p month but not actually paid any of the debt down. It has been hanging over my head and causing me angst the whole time. Ive finally come home got myself a good job after tax I make about 3700 pmonth.My main aim in coming home was to pay the debt down as soon as possible as Im sick of paying the bank interest.The trouble is I need a car.. I have to travel about 1.5hrs each way on public transport each day and I sometimes need a car for work.Im considering getting a personal loan to cover my credit cards and a car loan of about 12-15k to cover a decent dealer demo car. With both loans over 2 years. I would love some advice.. am I doing the right thing?Assistant: Whats your credit score? What are your monthly expenses?Human: Credit score is good... Ive always paid the minimum on time. Monthly expenses are basically only rent 900, bills 100, fooddrink 300  <response>: If this is correct although Im sure you are missing a lot like transportation you can put 2400 toward your debt and be done in 5 months. A few months later you could buy a 10k car outright. 