<prompt> Human: For years I didnt want to face it, but now I acknowledge I am in bad shape. Im ready to turn it around. I am getting married in June and my fiancé and I want to be credit cardhigh interest loan debt free in four years so that we can start planning a family and an investment strategy.Heres the debt that my fiancé and I currently hold: 11,142.37 personal loan at 17.25 to consolidate some previous credit card debt - minimum payment of 376.16 but need to pay the full balance by April 2017 9,959.80 credit card at 11.24 - 200 minimum payment 9,050.93 credit card - its an Amex so some of it has payment due in full while the remainder 7,400 has 15.24. This is the only credit card we currently still use. 1500 minimum payment can vary because it is an AMEX 7,922.16 credit card at 16.99 - 125 minimum payment. 5,604.68 credit card at 13.24 - 120 minimum payment. 5,280.70 credit card at 23.99 - 155 minimum payment 3,776 furniture financing at 0 interest for 46 more months - 112 minimum payment. Full balance due by December 2017. 1,496.07 home appliance financing at 24.24 - 25 minimum payment. 468.65 home appliance financing at 0 until July - 25 minimum payment. 1,240.99 credit card at 26.99 - 45 minimum payment 936.26 credit card at 25.99 - 25 minimum payment 606.03 credit card at 14.24 - 15 minimum payment 281.40 credit card 0 for next five months - 28 minimum payment 7,010.89 student loan at 6.55 6,321.89 Student Loan at 2.1 8,080.06 student loan at 2.1 6,042.81 student loan at 6.55 Collectively these four student loans are 200 minimum payment each monthAfter all monthly expenses and monthly minimum debt payments we have 500 left over each month that weve been using to fund our wedding for the last two years so that we wont go into further debt.If it matters, our other assets include: 457 retirement balance of 9000 100month contributions 401k retirement balance 1265 not currently contributing monthly were in escrow on selling our condo and will net 15,000So what I really want to know is, how should we attack this debt in order to be credit cardhigh interest loan debt free in four years? I know I wont be completely debt free by that time but am hoping to only have student loans by then. If it makes a difference, I am currently paying off the student loans at an increment of 200 a month.Thanks in advance to everyone for their advice.Edit: minimum payments for each loan added  <response>: Step 0: Admit That You Have A Problem Youve asked for help. This is the first step to becoming financially secure. You must accept that you are the cause of - and solution to - your massive debt obligation. You must change your behavior. If you dont take dramatic action to change the behaviors which caused you to continuously pile up debt, then youll forever be doomed to financial pain and youll never become wealthy.Step 1: Stop Taking On New Debt Cut up the credit cards, and use a debit card instead. Since youre carrying a balance on the cards any new charges will start accruing interest immediately. Forget about those rewards, cash back offers, and points because theyre not worth the interest payments. When you use a debit card as a credit card you have the same protections.Step 2: Sell, Sell, Sell Trade stuff for cash. Get rid of the things you own which dont help you get out of debt. For example, do you really need the Bread Maker, Boat, TV, Coffee Table, Tools, Motorcycle, Jewelry, Treadmill, Piano, Sporting Equipment, Electronic Gadgets, etc... Cash out the equity in your vehicles. Sell your car, truck, or SUV and buy bargain basement clunkers. Even better if you can find a way to commute using mass transit or bicycle because you can reduce additional expenses such as insurance and gasoline. Its just temporary. Once youre married and out of debt, then save up some cash and re-purchase this stuff. Step 3: Track and Predict Your Cash Flow Track your income and expenses. Use a service like Mint.com to figure out exactly how much money you have and where its going. Create a budget - on paper. Create a unique budget for each month which uses that months income and subtracts away the expenses until you reach 0.00 more left to allocate. This is known as a zero-based budget.Step 4: Minimize Expenses You cant afford to pay for convenience. Cook your own meals, lower your internet speed, cancel and sell the smart phone, use Netflix instead of cable, organic is just a label, etc... Be smart about your wedding plans. There is nothing wrong with a nice wedding celebration, but its not an excuse to ignore the realities of your financial situation. Set a reasonable budget and dont go over it - for any reason. Unnecessary purchases will have to wait. Taking a vacation while under the pressure of this debt would not only cost a fortune but would significantly extend the amount of time it takes to become debt free.Step 5: Maximize Income Take another job. Try delivering pizza, mowing lawns, or using your particular skill set to generate additional cash. Ask for more hours. If youre not a salaried employee then look for opportunities to put in overtime or work another employees shift.Step 6: Reduce Interest Charges Transfer credit card balances to lower interest rate offers. Its ok to shift the debt around to help reduce the overall amount youd pay, however dont fall into the trap of feeling as though 0 interest equates to 0 debt. Call up credit card companies and ask them to lower the rates. This doesnt often work, but its so quick and easy that its worth the effort. Evaluate student loan hardship options. You may benefit from deferment, forbearance, or income-based repayment plans. This may also help free up cash flow for paying down higher interest rate debts.Step 7: Emergency Fund Put into savings a small amount of money to use as a buffer against unexpected emergencies. The amount you save is proportional to your expenses, but should probably be on the order of one months expenses. This money will prevent you from taking on new debt in the event the car breaks down or you need to make a medical co-pay. A full emergency fund can wait. Its common to see a recommendation that the size of an emergency fund should be around six months of expenses. This is something to aim for once youve payed off your debts.Step 8: Pay Down Debt Pick a plan and stick with it. Whether you decide to prioritize paying highest interest rates, smaller balances, or a combination of the two, see it through to the end. The order in which you pay down your debts is probably one of the least important decisions you make when becoming debt free. The important part is maintaining the focus and not reducing the sacrifices you make until the goal is acheived. The deeper you sacrifice, the faster you become debt free. You havent shared your income or expenses, so its difficult to be specific. In general, you can probably become debt free faster than you think by attacking this debt with a vengeance. In just a few months you can make a significant impact by cutting expenses, unlocking the cash tied up in your stuff, and generating extra income. 