<prompt> Human: So I am a graduating Resident Physician about to go into a fellowship subspecializing I currently make about 64k year about 800wk after taxes. My pay will be going down to about 55kyear starting july 1st. Then starting salaries for my specialty should be between 350k-500k year.I have the following debt: Student Loans: Approximately 200,000 50 at 4.7 and 50 at 7.2 interest I am currently not making any payments and am in Economic Hardship Deferment.Credit Cards:Capital One 1972.030 till April 2017 then 21Capital One 2862.230 till April 2017 then 21Lending Club16719.6514.85Discover5484.8219.24Paypal2137.5619.99Citi Aadvantage2195.0425.49Chase 2233.8624.24Bank of America5013.923.24Chase 4345.0827.49Total of 42964.08Personal Loans:Personal Loan 16719.00 400.00mo 5.64Personal Loan 2 32000.00 0mo0the second loan is a family loan, they have pretty much given me what they can to help me, with the understanding that I probably wont be able to pay them till I finish my subspecialty training, I was very lucky with this one.My other monthly commitments are:Car insurance150monthGas 50 monthgroceriestoiletries 150-200monthUtilities150month Rent 950monthMy credit rating is about 600.I dont have any available credit cards balance transfers.Trying to figure out what my next step should be to get out of this mess is.I dont have any assets I can sell off. I have a car that Is a family members who lets me use it out of the kindness of their heart. The plan is pay off all debts in order of Interest rate. But with the amount I am in debt at the interest rates I have... I know Ill be working an uphill battle.Any advice? I made poor financial decisions in the past, leaned on family too heavily. Im striving to be better going forward. I know that once I finish training and have an income of 350-500k, life should be better, but I want to start improving now. My ideal situation would be to consolidate all of my Credit Card Debt into one Loan at a much lower interest rate right now average is approximately 23, but with my credit score, amount of debt and lack of savings I know that I am in no shape to get a good loan offer.  <response>: You might have incorrectly formatted line breaks. To create a line break, either put two spaces at the end of the line or put an extra blank line in-between lines. See Reddits page on commenting for more information.I have attempted to automatically reformat your text with fixed line breaks.--- So I am a graduating Resident Physician about to go into a fellowship subspecializing I currently make about 64k year about 800wk after taxes. My pay will be going down to about 55kyear starting july 1st. Then starting salaries for my specialty should be between 350k-500k year. I have the following debt: Student Loans: Approximately 200,000 50 at 4.7 and 50 at 7.2 interest I am currently not making any payments and am in Economic Hardship Deferment. Credit Cards: Capital One 1972.030 till April 2017 then 21 Capital One 2862.230 till April 2017 then 21 Lending Club16719.6514.85 Discover5484.8219.24 Paypal2137.5619.99 Citi Aadvantage2195.0425.49 Chase 2233.8624.24 Bank of America5013.923.24 Chase 4345.0827.49 Total of 42964.08 Personal Loans: Personal Loan 16719.00 400.00mo 5.64 Personal Loan 2 32000.00 0mo0 the second loan is a family loan, they have pretty much given me what they can to help me, with the understanding that I probably wont be able to pay them till I finish my subspecialty training, I was very lucky with this one. My other monthly commitments are: Car insurance150month Gas 50 month groceriestoiletries 150-200month Utilities150month Rent 950month My credit rating is about 600. I dont have any available credit cards balance transfers. Trying to figure out what my next step should be to get out of this mess is. I dont have any assets I can sell off. I have a car that Is a family members who lets me use it out of the kindness of their heart. The plan is pay off all debts in order of Interest rate. But with the amount I am in debt at the interest rates I have... I know Ill be working an uphill battle. Any advice? I made poor financial decisions in the past, leaned on family too heavily. Im striving to be better going forward. I know that once I finish training and have an income of 350-500k, life should be better, but I want to start improving now. My ideal situation would be to consolidate all of my Credit Card Debt into one Loan at a much lower interest rate right now average is approximately 23, but with my credit score, amount of debt and lack of savings I know that I am in no shape to get a good loan offer. ---I am a bot. Contact pentium4borg with any feedback. 