<prompt> Human: Hello, Im a junior software developer in Charlotte. The title says the gist of my problem, really... Ive checked the wikis, read tons of advice on e-funds and whatnot, but I feel my situation is pretty atypical. The temporary government check is the part that makes me skeptical about just holding onto money in an emergency fund instead of paying off debt with it. To make matters worse, that check is the Montgomery GI Bill payment for going to college full-time. Since Im pocketing it and using it as my income instead of on tuition, Im also racking up student loan debt in the process. I would have to pay off all my debt other than the student loans so almost 80k in half the projected time in order to cut my cost of living enough to prepare for the loss of the GI Bill payments which happens in Oct. 2020. Again.. where do I even start?Edit: Annual salary: 50kGI Bill payment per month: 1928Im still wrestling with Mint to try to nail down precisely how much wiggle room I have in my budget, but for the sake of calculations its about 650. I have 77k in debt OTHER THAN my student loans. About 65k of it is two huge auto loans. The rest is credit card debt with rates ranging from 18-24Edit: Line-by-line listing of each debt, requested by c-grim-c-:Credit Card 1 3,098.41 18 70.00 Auto 1 38,204.41 6.19 579.02 Personal Loan 4,089.51 36 202.00 Credit Card 2 438.43 23.15 25.00 Credit Card 3 378.50 24.40 25.00 Credit Card 4 985.84 24.65 25.00 Auto 2 27,855.47 8.20 561.62 Store Credit Card 2,184.97 0.00 40.00 No interest as long as its paid off in timeEdit: Non-debt expenses, requested by ej255wrxx:Rent 1,138.00 Planet Fitness 20.05 Car Renters insurance 221.40 Sprint 185.38 Internet 50.00 Electric 90.00 Water 31.99 Gas high estimate 400.00 Recreation 25.00Food estimate 880 Assistant: Downgrade both of the cars. Get a better paying job. Human: Getting a better paying job is my main plan, whenever I can prove to some company that I deserve to shed my junior title.  <response>: But you missed the part about downgrading the cars. 