<prompt> Human: I have 15,296 in debt, mainly student loans and an auto loan and some credit card debt. My current take home pay is 1,480 a month. Just under 50 of that goes towards bills. I just want to be financially free and then start saving aggressively. TL;DR how to pay off 15k in debt w a monthly take home pay of 1,480  <response>: Do a snowball. Make a list of all your debts in order of APR, then pay the minimums on everything but the highest APR. Put all your extra money on the highest APR debt until its paid off, then move to the next one until theyre all gone. 