<prompt> Human: Long time lurker, first time poster. Ill give a background of what I need advice with.Im 22 years old and residing in the state of North Carolina. I work at an AV company where I only make 14 an hour. I usually work around 40-50 hours a week a lot more during the busy time of year. My father passed away this last Christmas, my mother and little brothers live in Texas, so I am completely on my own. Though this is my choice I moved out before my father passed away, I am starting to find myself in some serious debt.I have two credit cards. One that I have had since I was able to obtain one when I was 18, and another I just recently got. The older one has a 1900 limit, while the newer one has a 2500 limit. The one I have had since I was 18 is a college card offered from my bank, Wells Fargo. The second is a Citi Best Buy credit card.Long story short, my college card has been nearly maxed out for almost a year can really only afford the minimum payment, so it never decreases. Luckily I havent used my Citi card much at all, just have it because my other one was nearly maxed out and I dont have a stable income to help myself out in case of emergencies. I was wondering, should I get a personal loan to pay off my credit card debt? Or would that just make it worse?I would appreciate the help. Ive been trying to better myself financially but Ive been coming up short. I have great work experience, but no educational background. I graduated high school and dropped out of community college not even a full semester in.Edit: I do have a relatively good credit score. It is above 700.  <response>: Your problem is not that you only make 14hr.Your problem is that you spend more than 14hr that you work.Realistically, do you think if you made 20hr that you wouldnt just spend more than 20hr that you work?Thats how it works with pretty much everybody. Tastes are too expensive.I bet if your tastes get less expensive, even if you dont earn morehr or work more hours, your problems will start to go away.In particular, CCs arent something you charge to the max and then you pay the minimum on. They are something you charge low amounts on and which you pay the whole amounts you borrow on before 26 days. 