<prompt> Human: So this is my first post... I am a long time reader of reddit but have only just come across this page out of sheer hope that someone can give help. I am a 23 and am in 12k worth of debt. Completely my own fault, there is no excuses there. I took my loans out for paying off store cards as the interest was lower because I was a shopaholic now not mainly because I cant afford to be. I want to post in this thread to get some advice on how I can manage my debt properly. I have made lifestyle changes such as being on a budget, cutting down on spending such as cancelling my much loved gym membership and Netflix etc. Admittedly I am in over my head and am finding it hard to keep up with the payments but am just keeping up with them. I am really getting desperate as I want to keep my credit score its really good at the moment as I would like to save to buy a house but cant save until I have paid everything off. Any help would be appreciated so much. Thank you :  <response>: Its not enough to just cancel your gym membership and netflix. You need to go completely apeshit with cutting back on spending and raising your income to get this paid off. You need to be hungry for it - pick up a second job, work day and night, live off rice and beans, dumping 5 times the minimum payment or more into it every month.You need to get so crazy about paying it off that your family and friends think youve lost your mind. If you havent set up a very tight budget yet for every dollar coming in, do that right now, then go nuts on paying this off. Youre not that deep, and could probably get yourself out in a few months of hard work.Good luck 