<prompt> Human: Hey Reddit,24 years old, college grad, stuck in a rut.2008 hit my family hard- my parents have been trying to recover ever since.I contributed everything I could to help get the family back to our feet after I graduated, now my family is doing okay - but Im not. I cant allow this debt to get worse and I need to take care of my finances. My credit score keeps falling since Im over 3037; credit usage. My goal is to lower credit usage and get that score back up to where it used to be!Ive outlined my finances below as best as I could. Ive lurked around on this sub for months and Im curious what kind of advice the Reddit community can shed on my situation.Please let me know if I can provide any further information or clarify anything.Thank you in advance for any advice on how to get out of this!Income:I make 55,000 year salary 3,430 monthly 1,715 bi-weeklyFinanced Car: Bought a car 2 years ago at 25,000 Cars current retail value 14,000 - 15,000 Wells Fargo Dealer Services Finance Loan of 22,085 Monthly Payment on Car 450 Interest Rate 7.99037; Remaining Balance: 14,565Credit Cards:Wells Fargo Platinum Credit Card: Limit 11,500 Outstanding balance 11,474 Minimum Payment 230 Interest Rate 12.7437;American Express Blue Cash Preferred: Limit 9,000 Outstanding balance 8,721 Minimum Payment 240 Interest Rate on Purchases 23.4937; v Balance on Purchases 6,168 Interest Rate on Introductory Purchase Rate Expired 23.4937; v Balance on Purchases 2,332Citi Double Cash Card: Limit 4,000 Outstanding Balance 3,336 Minimum Payment 104 Interest Rate 24.7437; vWells Fargo Personal Line of Credit: Limit 25,000 Outstanding balance 22,616 Minimum Payment 510 Interest Rate 1537; vTotal Credit Usage: 43,147Student Loans:Sallie Mae Smart Option Student Loan: Loan Amount 7,000 Current Balance 5,053 Interest Rate 11.5037; Minimum Payment 129Fedloan Servicing: Direct UnSub Stafford Loan Loan Amount 8,272 Balance 8,338 Interest 5.8437; Fixed Rate Minimum Payment 30 Direct Sub Stafford Loan Loan Amount 5,500 Balance 5,303 Interest 4.6637; Fixed Rate Minimum Payment 43 Direct Unsub Stafford Loan Loan Amount 2,000 Balance 2,069 Interest 4.6637; Fixed Rate Minimum Payment 16 Direct Sub Stafford Loan Loan Amount 4,500 Balance 4,385 Interest 3.8637; Fixed Rate Minimum Payment 34 Direct Unsub Stafford Loan Loan Amount 2,000 Balance 2,089 Interest 3.86 37; Fixed Rate Minimum Payment 16 Direct Parent PLUS Loan Amount 2,500 Balance 2,098 Interest 6.4137; Fixed Rate Minimum Payment 47 Direct Parent PLUS Loan Amount 18,773 Balance 18,345 Interest 7.2137; Fixed Rate Minimum Payment 244Total Student Loans: 47,680Other Expenses: Gas - 270 month Food - 150 month Gym - 33 month Jiu Jitsu - 130 month Live at home - 0 month overhead random contributions to my family 100 - 3,000 monthAssets:Cash 1,700Cryptocurrency 1,500401K:337; from Salary 337; from Employer Regardless of my contributionAssistant: A high credit score is only important if youre looking to acquire more credit. You are not in a position to be acquiring new credit. Your score doesnt matter right now, not even a little bit. What matters is paying off this debt. Cut all non-essential expenses. This includes the Jiu Jitsu and the gym, as well as contributions to your family. Its noble of you to want to help them, but theyre adults and have to take care of themselves. Youre not in any kind of position to try to be helping anyone right now, especially not to the tune of 3000 a month. Every spare penny of yours needs to be going towards paying off your own debt. Make sure to make minimum payments on everything, and any extra should go to the highest interest debt which looks to be the Citi Double Cash. Sell the crypto as well. Investing in crypto is basically gambling, and you cant afford to gamble right now. That 1500 goes right towards debt. If you actually get the 3 towards 401k from your employer without contributing anything, stop contributing until at least all the high interest debt is gone.You should also be looking to increase your income. Can you pick up more hours for overtime? Can you ask for a raise? Are you looking for higher paying positions? Can you get a second job andor a side hustle? Do you have possessions that you can sell? What about selling plasma? Anything for extra income to help you get out of this holeEdit to add: just realized that two of the student loans you have listed are Parent PLUS loans. These are not your responsibility.Human: Thanks for taking the time to review and respond! I appreciate it. My overall take away from your reply is to put every possible penny into lowering debt, and hustle to make more a month. You are not in a position to be acquiring new credit. Your score doesnt matter right now, not even a little bit. What matters is paying off this debt. Understood- thats very true. Its scary to see it fall though! Cut all non-essential expenses. This includes the Jiu Jitsu and the gym, as well as contributions to your family. Got it- Every penny counts. Make sure to make minimum payments on everything For sure! Ive never missed a payment Sell the crypto as well. Investing in crypto is basically gambling, and you cant afford to gamble right now Might as well- if I sell now its at a profit anyways You should also be looking to increase your income Can you ask for a raise? Are you looking for higher paying positions? Can you get a second job andor a side hustle? I recently got a raise from 50k to 55k. I do have side hustles and opportunities for more side hustles. Ill continue to pursue those to make more a month. I roughly make around another 5,000 from side projects. two of the student loans you have listed are Parent PLUS loans. These are not your responsibility. True, but when I got the loan I told my parents that Im going to be paying that. Also, my parents help contribute to that loan so Im not too worried about that one.  <response>: You are 44k in CC debt for helping your parents avert a crisis. You already paid those PLUS loans. You are living there rent free but nobody gives 3k to help out, and again, 44k CC debt. This could be a case of financial abuse. Your parents finances deserve to be scrutinized here as your budget just isnt the whole picture if you have a wild card 3k budget item 