<prompt> Human: Hi friends! First time posting and Im in desperate need of help. Im 21 and already have a lot of debt. I have about 4000 in credit card debt, a student loan and a 5000 personal loan. I stupidly took out the personal loan to consolidate my credit cards but my irresponsible self racked up all the debt again Im making 13 an hour currently and living paycheck to paycheck trying to stay on top of all my payments. No savings. I have an interview for a job thatll pay 17 an hour this week so fingers crossed on that. But I just really want to pay off my credit cards and chip away at the loan as well and then maybe start building a savings. Where should I start? Any tips? Im currently paying 146 a month for the personal loan, 350 for my car payment, 192 for the student loan and then paying whatever I can on all the cards I have 4 I feel like Im drowning and Im so stressed. Any help would be much appreciated  <response>: You have to get rid of the credit cards for now. You know that, right? No more credit card bonuses, etc. Pay extra on the highest interest rate credit card. When its paid off, move to the next highest one with the money you saved from not having the first care. Repeat until all are paid off. 