<prompt> Human: Good day every,Through a bit of poor financial spending and University tuition and what not I am in credit card dept about 12k. I will get more into that later. Really what I am looking for is the best way for me to get back into the black and get rid of all my dept. I would be so much happier as this has been a burden on me for some time. Any help is greatly appreciated.So here is what I have going for me, I live at home with my parents so I do not pay rent or food most of the time. Work pays my cell and salary. I net 3204.24 a month after taxes. I have no other form of income. 3204.24month 38,452.18yearCredit Card Dept: 3,426.93 27.24 American Express3,987.93 19.24 Chase2940.16 0 for 4 months2,978.62 23.24 I have 17,235.00 in my retirement fund TIAA-CREFI am not sure how taking that out works and if it would be worth it because I have heard they take a percentage. What are my options? Should I try to take out a loan? My credit score as September is 640. What are your guys suggestions? Thank you so much.  <response>: What expenses do you have? With the numbers youve given, you have a very clear path to paying off your credit cards, since each one is roughly a months income for you. Start with the highest interest rate and work your way down.If you have any mandatory expenses that changes things a bit, but the basic principle is the same. 20 interest debt is brutal, so I would heavily cut back on fun money for the next 4-5 months until youre paid off. 