<prompt> Human: As the title says Im 47K in debt. I make roughly 45K per year. The debt stems from 3 things: College loan 28K 2 interest, personal loan10K 16.9 interest and a maxed credit card 9K 4 interest. I took out the personal loan to pay off a previous credit card in the hopes of raising my credit score currently 620-630ish. I took the loan 2 months ago and did pay off the credit card with it and my score is slowly going up, but very very slowly.I currently have a budget and am following it, but at this rate it will take 3 years to pay everything off. Im currently fully employed but was wondering if there are any side jobs I could do remotely to earn some extra cash? I rent my apartment and have no car payment or house payment. What should I do? Thank you!  <response>: I currently have a budget and am following it, but at this rate it will take 3 years to pay everything off.Is there something wrong with that? FYI some people spend three decades paying down their debts. If you have a budget, are sticking to it, and are successfully reducing your debts, this sounds like a reasonable plan to me. To really answer your question we would need your budget specifics ie, sticking to a budget that has excessive amounts for unnecessary expenditures might not be allowing you to pay down your debts as fast as you could. 