<prompt> Human: I currently have about 8600 in credit card debt. All of my credit cards are 20-25 interest. I just started a new job making about 24,000year after taxes.I just moved out and my rentutilities run me about 350-375month got an excellent deal and splitting rent. Groceries, gas and insurance are about 450-475 more. I have no savings and about 700 in the bank at the moment. Ill have about 250 at my next 2-week paycheck due to moving cost, bills and various expenses. After that check, my spending on necessities, bills paying minimums on credit cards is a bout 200 will leave me with about 100month for entertainment, booze, extra eating out and increased debt repayment. I can comfortably get the entertainment, booze, extra eating out to 150month, leaving the rest of the 1000 for increased debt repayment, savings, etc.My student loans are about to come due as well. I cannot afford to go to school 6 credit hours to keep this from happening because I cannot get any more financial aid. I have about 18,000 in student debt and 2000 in interest accrued. I did not graduate and the rates are about 4.2. I do not have a payment plan for them yet.I could possibly get my parents to cosign on a loan in the 4-8 range for 3-years repayment, which would save me like 2700 in the 3 years, or 75month.Do you all have any tips about where to get the loan, how to handle student debt, how to manage my money, etc?EDIT: Re-did some math thanks to some very useful comments, and clarified some things.Assistant: If youre in this much debt at this early, you need to really lower that 700 a month for entertainment. Eating out, alcohol, and most entertainment is huge money hole that will keep you from paying debt off for along time.It might suck now but I can only imagine that its a million times more worth it to be financially stable years from now than to have gone to Applebees those couple of times now.For food, meal prepping is a blessing and it doesnt have to mean bland food day after day. Im a college student myself and I love the food I ear and its no more than 50 to 75 bucks a month. Check out rsundaymealprep for ideas.For entertainment, I recommend video games because one 60 payment can lend hours on end of entertainment, assuming you have interest in them and dont have to dish out money for a console. Also, finding a health centered activity, like working out or biking, it will be relatively cheap, keep you busy and wear you out, and keep you healthy.Sorry I cant give any insight into higher level saving type stuff, but I hope these simple money saving tips help out!Human: Idk if that was unclear, but that 700 was supposed to include all of that and extra debt payments. I dont think I could get rid of 700month on entertainment without traveling or something.I already play video games so I figure I can limit my eating outboozeentertainment spending to 150month pretty easily. Thats 550 at that rate for extra debt repayment. Total of about 800 including the minimum payments Im making student loans will start at 90-100month soon though.Assistant: Yes I went through your info again afterwards and thought that I had misread it. Yes 150 is much better than 700 per month haha. Still, I think it might be a good goal to try and wean yourself off of that 150 a month to some lower target. Of course Im not 21 yet 4 months to go! and I dont need a lot of entertainment personally so whatever you need to stay sane you stick to.Human: Yeah this other guy below said I needed to cut my entertainment spending down to 0, and Im thinking its more likely I lose it, run awayhide in my roometc and lose my job and fuck my finances completely if I dont have a little bit of money to spend on entertainment stuff.You give excellent advice on finances for your age! Its awesome that you started early, I wish I had.  <response>: Hey Im all too familiar with needing an extra couple bucks to keep the sanity in check. Yes hes right in that its the most logical thing to do on paper to get the debt out fast but hey were people and we need other things once in a while.And thank you! I grew up pretty worried about my moms finances so Im just naturally attuned to it for fear of ever making her struggle even more. 