<prompt> Human: I graduated from a private University with 30K in fed loans but supported myself comfortably living in a low cost city. Since moving to NYC for a new job adjustment issues have landed me in unemployment for 2mo losing my health care in the same month. I have secured a part time job and have several side gigs going while I look for more work. Now im in about 6,000 credit card debt and im looking for advice on smart ways to get debt free.Thanks  <response>: spend less or earn more, preferably both. 