<prompt> Human: Quick recap:26k in student loan debt 6 avg Interest RateMinimum monthly student loan payment 500 One CC - 10,500 of 18,500 limit w 16 APR 6000 is on BT until Dec - stored in drawerOne CC - currently 1,500 of 6k limit w 19 APR - Should be able to pay off each month - mostly covers food and fixed expenses Utilities, Cable, CellRent 1620 living with 2 roommatesMonthly Income 3,570Im currently living in NYC and know I need to reduce the amount I spend on rent, and Ive been BTing my CCs for the last 3 years, hoping to avoid APRs. At the moment I dont own a car and would need to stay in NYC for work. Unfortunately, my family wont be able to assist me with any of this... I have 0 Savings and 0 investments work doesnt 401k matchWhat would you do in my shoes??Greatly appreciate any and all feedback.  <response>: I know moving out of NYC is not a great looking option regardless of what you do. But Im curious why you say you cant leave the city? Youre not making much money there for how high the cost of living is. 