<prompt> Human: Little back story Im 24 been with my gf for 6 years now I have always been into racing car and thats my downfall I currently make 700-1000 after taxes my bills are as follows360 month for a truck 24 intrest 360 month for insurance I have 8 points200 for gas100 for food150 in going out with my gf I cant seem to save any money this car hobby is killing me Debt is as follows13k on a repo 2013 mazdaspeed 3 2 int1500 credit card 15 intrest11k on my curent vehicle 24 int700 on a diff credit card 12 int2200 on a personal loan when I built my motor 12.99 int I have no idea were to start I wanna buy a house soon my credit score has went from a 776 to a 555 any adviceEdit : I make 700-1000 weekly after taxes I am a electrical worker in a factoryAssistant: Ok so first lets recognize that interest is KILLING you. 24 interest on 11k is costing you 2 months pay a year. Just in interest, just on the truck. Please recognize that if you continue down this path you will be bankrupt in 2 years and they will take everything.So the first step is to sell all of your vehicles. You no longer can afford to drive a car that costs more than 3k. Did they sell the mazda3? If not sell them both and buy a cheap used vehicle and pay off those loans. You need to do this ASAP.Human: I cant sell the vehicle iam in I need it to get back and for to work and I would go negative on it The mazda sold 13k is the balance :Assistant: You need to sell it and then go out the same day and buy a 3k car. This will also significantly lower your insurance. It does not matter if you will go negative, you cannot afford this car anymore. Just to make minimum payments and pay your bills, you are going into more high interest debt in the form of credit card debt. This is how the decent into bankruptcy starts, taking on more debt so you can pay off your debt.I CANNOT be more clear. If you keep paying 25 of your yearly income in interest you WILL BE bankrupt in 2 years. PERIOD. Human: Does it matter at all that I can refinance the truck in 2 months ? They said normal 24 down to 12 Sorry Im just so stressed out idk were to begin  <response>: 12 is still an insane rate to pay for a vehicle.Get rid of it. 