<prompt> Human: Hey guys, Im trying to make ethicalresponsible decisions here and not sure what to do.I have about 20k worth of credit card debt and its taking a long time to pay off, and it feels pretty overwhelming.What doesnt help is that Ive had my own businesses that Ive been running on my personal cards I know, stupid moves and I havent been able to pay them off.I left my businesses and expect to start a full-time job soon maybe about 60kyr after taxes. I like the idea of a fresh start because spending a year barely scraping by and just paying off the debt really sucks. Should I just suck it up and live frugally until its paid or file for bankruptcy and start over?Thanks for your insight guysEDIT: Thanks for all your advice guys, I will make a budget as soon as I get a job and go from there  <response>: Visit rfrugal and learn to cut down your monthly spending. This is a small debt in the grand scheme of things, its not worth losing your ability to get loans, credit cards or even some rentals because of bad credit. You can pay this off faster than 7 years so you should just pay it off. Check out the budget portion of this sub, so much helpful information and just buckle down and keep track of your finances. 