<prompt> Human: Hi guys,Hopefully you can help me out here. Im a bit desperate and am seeing brick walls all around me, and damn if it isnt the most stressful shit ever.I made some pretty shitty financial decisions, coupled with being jobless on and off for a few months throughout the years, and as a result have opened up 6 different lines of credit, all of which are entirely maxed out with pretty staggering APRs, ranging around 24.99 each. On top that, I have student loan debt that I have on deferment.Excluding student loans, I owe more or less 17,000 in credit card debt. I havent missed any monthly payments, but of course Im only really able to pay the minimums.I work full time at about 15hr, minus taxes and insurance expenditures. I take home about 1,065 every two weeks, so roughly 2,140 a month. My rent is 600 a month as I live with my fiance. Factoring out the costs of living, food, maintenance on my commute to work, whats the best course of action to take here? Ive looked into debt consolidation services but many of them seem like theyll hurt me a lot more in the long run than help me.My general debts are as follows Note they all have APRs of about 25Card 1 - 5,930.84 Payments due on the 15th Monthly Min: 144Card 2 - 2,541.72 Payments due on the 7th Monthly Min: 80Card 3 - 2,923.02 Payments due on the 4th Monthly Min: 70Card 4 - 1,889.08 Payments due on the 6th Monthly Min: 25Card 5 - 1,939.36 Payments due on the 19th Monthly Min: 49Card 6 - 1,003.33 Payments due on the 28th Monthly Min: 85Minus all these monthly payments and rent, I look at about 1,000 or so a month for living expenses. Internet is 50, phone bill is 50. I bike to work so I dont have to worry about car expenses. I generally spend about 20 a day in food give-or-take.Please help. I feel quite lost. :  <response>: You need to get a second job. It will take you years to pay it down otherwise. Just get a part time job doing something.Make a budget and cut your expenses down to the bone, get rid of anything thats not absolutely necessary. 