<prompt> Human: Hey everyone. So Ive been hounding this group for some time now and have been reading threads and comments. I didnt want to really face the reality of the debt Im in so I shed away from posting but I could really use any and all help. A little background: the past few years I was in college and worked a part-time job making 200 per week. With that money I paid my rent and bought food, but I continued to live well beyond my means and opened up a few credit cards which I pretty much maxed out. Currently, I just graduated and am now making about 2300.00 biweekly take home. I now have to face the reality of poor decisions and pay these loans back however Im confused where to even begin.So with that said I currently pay:500 in rent a month Roughly 100.00 in utilities a month 35 a week in transportation fees80.00 month for the gym considering canceling for a cheaper option and because I hardly go I have a:Care Credit Card 1: 777.00 - Currently collecting interest at 27Cared Credit Card 2: 437.00 - Will begin collecting 27 on February 18th, 2018Wells Fargo Credit Card: 367.00 - Will begin collecting 28 interest on March 28th, 2018Best Buy Credit Card: 2762.00 - 856.00 will begin to have 26 interest charged on April 10th 2018, the rest will begin to collect interest on June 9th, 2018. Chase CC1: 4720.00 currently collecting 1.3 interest per month Chase CC2: 1074.00 currently collecting 1.2 interest each monthGym Balance: 365.00 that I need to pay before Im thrown in collections Student Loans:AES: 905.00 1.5 interest rateNavient 23,820.66 - its a few different loans that I consolidated all 5 interest rate which begins in March and are currently being deferred. So yeah. This was really hard to write because I feel so depressed and stuck with this BS. Im 30 years old and dream of being debt free but this feels impossible. Any and all help in what my next steps are would be is super appreciated. Also, as I start paying back these nonsense cards like BestBuy and Care Credit, do I cancel them? Thanks again in advance! My current credit score is in the 500s. Also, my payed salary already includes my retirement and health insurance that my job automatically takes out. I pushed this in debt but accident but Im having trouble figuring out how to delete it.  <response>: Total take home income is about 59,800 a year. Monthly expenses are 715 as stated, but leaving out things like food. Assuming healthy single male Ill call them about 1200 of your 4600 a month. This leaves you with roughly 3,400 a month you can use to pay down debt if you are willing to go extremely lean for a few months. I will assume about 3k to make easier and account for some saving and recreation expenses. Priority should be preventing interest and highest interest, deferring to highest when needed. Ideally wed like to salvage your credit score as well which means putting a stop to derogatory statements to your accounts. With these in mind I would do the following:1. Figure out what your 2 oldest credit card accounts are. Close the rest when they are paid off.2. Month 1 Jan pay off the Care credit cards and the Gym balance for a total of 1,579. Use the remaining 1,421 spread to cover any minimum payments required, then divide the rest equally for the 6 accounts remaining. This should help save your credit and reduces the overall accounts.3. Month 2 Feb is more trimming. Keeping a roughly 1,500 to knock chunks out and 1,500 to all remainders, pay off the Wells Fargo card, and dump the other 1,133 onto the Best Buy card to push the interest out. We are now down to 5 accounts. 4. Month 3 Mar is a key time period. The few hundred dollars of the last two months means you should be able to knock out the AES loan, and Chase card 2 while keeping to the rough 1,500 chunk limit. This gets you down to 3 accounts. But your Navient loan will now take up a large part of your servicing 1,500. Ill assume roughly half, so spread the rest against the other 2 accounts.5. Month 4 Apr we will continue to target the Best Buy as the next big interest threat. Again the payments of the last few months should have helped reduce the remainder to roughly your chunk limit of 1,500. Pay it off and you are at the last 2 accounts. Same thing, split the servicing 1,500 in half now. 6. Month 5 May This month you should focus on the last Chase card. Between the service and chunk money you should be able to come close to knocking it out. Pay everything you can on it, aside from the Navient payment.7. Month 6 Jun You should now be able to pay the remainder of the Chase easily, if it wasnt already payed off. Now you can switch to putting 2,500 a month onto your Navient loan. This should have you on track to pay it off in about 9 months. In those months the additional 500 can be saved directly, or used to pay off those two oldest cards every month to help repair your credit. Put your food onto them if you can, gas, etc, anything you can change safely from cash to them is an excellent responsible activity builder. By the end of it should be back in the 600s Id guess. Debt free before you are 32. 