<prompt> Human: I am writing this for my girlfriend. She recently graduated with Bachelors in Mathematics Business in December 2016 planning on becoming an actuary. I am stull in college finishing up my Bachelors in Computer Science. As the title says she is in quite a bind regarding her financial situation and has been poorly guided by her parents in the past until recently I made her open up to me and she disclosed everything to my utter shock. Currently she just completed her internship and is looking for full time positions. In meantime she doesnt have any static income. She has remaining 1200 from her last paycheck and I am trying my best to help her out by I am student myself and I dont have much to help her out with. Currently we are trying to get a new CC with 12000 limit with no interest for 1 year and it came transfer from another CC so we are trying to move Citi and Citi Advantage to it so those two has no interest at least for one year. I would really appreciate help in tackling making a plan as to which is the best way to get out of this. Thank you guys. Her total debt when calculated together comes out at 56,814.60. Following is the breakdown of the debt with as details I could provide:STUDENT LOANS:Melnet Student Loan Federal Loan and it is income base Total Amount Due 22,018.11 Interest Rate: Still trying to find out Sallie Mae Student Loan PrivateTotal amount due 9,949.50Interest rate: 9.5 Minimum payment: 139.00 22nd of every monthCredit Cards:ChaseTotal amount due: 8158.99Interest rate: 19.99 Minimum payment: 82 21st of every monthCitiTotal amount due: 4805.55Interest rate: 21.99 Minimum payment: 177 1st of every monthCiti Advantage American AirlineTotal amount due: 3000Interest rate: 25 Minimum payment: 28 3rd of every monthCiti SimplicityTotal amount due: 2262.90Interest rate: 20 Minimum payment: 34 28th of every monthAmazon Total amount due: 2400.79Interest rate: 26 Minimum payment: 37 10th of every monthBest BuyTotal amount due: 972.37Interest rate: Promotional for 6 month then 20 after 6-month endsMinimum payment: 31 22nd of every monthRed Roof Total amount due: 979.99Interest rate: 25 No minimum payment due Misc. Charges Belk 25TJ Maxx 100Victoria Secret 200Wal-Mart 726PayPal 1241.60Edit:We have paid off the Red Roof and Citi Simplicity completely and closed both of the cards. Also we moved the main Citi and Citi advantage to a new credit card with no apr for 12 months.  <response>: Your GF has a SERIOUS spending issue. Before any of this can go away, she needs to understand that she cannot under any circumstances incur more debt.She must then find a job, even if it isnt glamorous. Sell everything she doesnt need, or even return some of the items if at all possible. Shes got a SHITLOAD of 20 interest rate debts which are going to get nasty if she doesnt get ahold of this ASAP. 