<prompt> Human: Here are the specifics:My credit card debt:Card A: 20,000, 21.74 APRCard B: 4,000, 19.49 APRCard C: 2,600, 0.00 APR until 112017 when it is 25Card D: 600, 21.65 APRCar Loan: 21,700 remaining, 5.95, 511 monthly payment. The cars value is probably around 20,000. The car was purchased as a certified pre-owned, I am covered for any mechanical issues for 50,000 more miles or until 092018. Student Loans: about 310 a month. I cant change this as I qualify for debt forgiveness after 10 years and need to pay this amount aside from the recent news about the program, I believe I will qualifyMortgage: 1,230 a month, I have about 16 equity or about 28,000. My utilities are about 250. Car insurance is about 165 a month.My income is about 65,000 and will be around 75,000 in about a year. No real savings.I made some bad choices and am now facing the consequences. I feel overwhelmed with this debt. Its on my mind all the time. Ive been thinking of options and cant figure out what to do. I have about 2,000 coming from my tax refund and was going to apply it to my credit card debt.Some questions: Should I try to refinance my car loan, lower my monthly payments?Should I try taking a personal debt consolidation loan?Should I apply for balance transfer card with low intro rates?Should I sell the car, bite any loss, and buy a cheaper car to reduce my payments and insurance.Should I consider bankruptcy?Should I look for a second job?Should I call my credit card companys and ask about repayment plans?I dont really know what Im looking for, posting this. I just feel like so stupid for having put myself in this situation and am looking any advice. Thanks for reading this all. Ill try to answer any follow-up questions as I can.  <response>: At first glance this did look pretty bad. But it is not too late to turn this around. Its great that you are finally confronting the issue.You will have to sell the car. Your monthly payment and insurance are just too expensive. Yes, you are underwater on the loan, but you need to cut back on your monthly expenses to put more money towards paying down that high interest debt.The good news is, as you pointed out, you have 2,000 coming from your tax refund. You can sell the car and use this to cover the loss and close out that loan. Then youll need to take out a new loan on a cheap used car. Im not an expert on buying used but Im sure other people can advise you.I would guess that would give you another 400 per month to put towards paying down your credit card debt.You should definitely try to transfer as much as possible to 0 APR balance transfer cards. If you run out of limit on the 0 cards, try to open more.With the money you will be saving on the car, pay off Card D first. It has the smallest balance and a very high rate, and paying it off will save you a minimum payment and feel like great progress.You could also charge more of your monthly expenses to 0 APR cards, if possible. Then use the extra income that you are not spending to pay down the high interest debt.It all gets better from here if you follow a plan and stick to it. Every debt you pay off will give you more income to work with. Youll feel better about it every paycheck. 