<prompt> Human: Im a 24 year old that has built up a lot of debt, but luckily ive landed a very well paying position getting paid a lot more than before. I wasnt as responsible with my money the past few years as i relied on my father but thats had to change in the past year. Ill try to keep this as straight forward as possible with all the necessary information.I have 2 credit cards with a total of 13k debt across both, one is maxed at 10k with an APR of 23, and the other with 3k out of 5k total with an apr of 16 but a balance transfer fee of 5.My expenses are as follows: 1k a month for rent 375month car payment bought a 20k car, paid off 7k so far 270month car insurance had to switch to a solo-plan 180month for my phone bill i pay for my mother and grandfather My credit score has been mid 700s for the past few years but this last year has gotten it down to 650.A quick explanation on my expenses, my Father covered most of my expenses growing up and even gave me 3K for my car while i was making 25kyear this was 2 years ago and soon after he had a falling out with the rest of my family and left to our home-country. This led to me working my ass off and getting used to paying for all of my things - which i obviously did not do well as i spent more than i should have and i was not accounting for my interest rate charge when paying off my cards which snowballed my debt into a bigger amount.I applied for an american express Everyday card 0 balance fee and 0 APR first year but theyre only letting me transfer 750 so that wont work for me. I plan to cancel the card.Good news is: 1. I got promoted to a position at the company i work in, the raise was from 38Kyearly to 60kyearly not including bonuses. I currently take home around 3500 monthly. 2. Hitting 10kmaxing out one of my cc really made me realize that i have to get my shit together and stop spending so irresponsibly.Im minimizing as many expenses as possible, i just need help figuring out whether to get a bank loan or to consider other options. What are my options? What kind of loan should i get if thats by best option? Should i consider filing for bankruptcy? Any advice would help. Im here to learn, i know ive been doing pretty bad so far and i want improve permanently. Thanks in advance.  <response>: I suggest paying it off, preferably with the money you make from your increase in salary 