<prompt> Human: For starters just know I am legally blind so I cant drive. Big reason I did what I did.im also 23 years old and live at home rent free.Okay so here goes, so I have about 22K in total debt 2 credit cards about 900 and then a vehicle loan 21K high interest 12.99 I make about 1700 a month gross so bring home is about 1250 or so. I am trying to figure out how I can continue to afford what I have now. My vehicle loan is for a 2016 Polaris rzr 1000. Roughly 400 alone because of the ungodly high interest rate. Im debating on trying to return it or figure something out so I can get this gone or at least cheaper. If I turn it in it will not only kill my credit but my mothers as well and I just cant do that to her.Then I have my cell phone bill. About 300-325 a month 4 lines unlimited everything on T-Mobile currently using 2 of the 4 lines and the other party is not paying their part of the bill 100 so Im kinda SOL on that part.Then I have my internet bill roughly 90 which is not bad considering I have to have good internet for my work work from home I was receiving disability but now I am not getting a single cent because I make way too much. Can someone help me figure out how to get my finances in line. I need help and fast or else my credit will just keep slipping away from me and it will take me years to get it anywhere decent.  <response>: I thought it was a car and I wondered why a legally blind person would buy a car.Turns out its an off-road driving toy that you as a legally blind person may still be allowed to drive because youre not on the road. However, youre still in 21k of debt because of it, on a roughly 15kyear posttax salary. Thats not very sustainable. You bring home 1250 per month. The car loan is 400 per month You dont pay rent because you live at home Your phones cost you 325 per month Your internet is 90 per month It would be wise to pay down your credit cards by at least 150 per monthSeems like your fixed expenses are roughly 965 per month. You should still be able to make this work with your 1250month salary, but with the note that making other financial moves like moving out have become impossible because of this thing you bought. 