<prompt> Human: Hi,Im in desperate need of advice. I turned 25 a few weeks ago and among the other quarter-life crisis moments Im dealing with Ive had a sudden awakening regarding my finances. I have approximately 16,500 in credit card debt spread out on 8 cards with interest rates from 20-27. This does not account for my student loans either. I see a net income of 3312 per month and have monthly expenses of 1319 which leaves me with 1993 for the month spread between food, credit card payments, and miscellaneous things.I tried to get a low interest loan to consolidate my debt, but needed a cosigner and I cant do that. I figure if I can pay whatever the loan amount payments wouldve been spread between my cards I could effectively pay them down but I know it doesnt work like that with my interest rates. Id bitch slap my early 20s self if I could because Im so disappointed in my financial choices then. How do I fix this? What can I do to get a handle on this debt and effectively pay it off?Edit:This is how Im breaking down my financials. Net income 3312Rent 421Electric 35-40Phone 180Cable 100Weight watchers 44Gym 16Trainer 125Adobe creative suite: 32Apple Music 4.99Netflix 10.69Car payment 201Insurance 155Total 1324This leaves me with 1987 to use for food, credit card payments, free spending. Hope this clarifies my thought process. I understand this does not fill under the typical expenses definition. Note: my fiancé covers a bigger part of the rent since I cover 100 of the phone, cable, electric for us. Hence why my rent is only 421 and my utilities are highThank youAssistant: If youre in a low cost of living area, 16k is nothing. Just buckle down and get a part time job if youre really remorseful. Human: I live in North Jersey right outside of NYC... so low cost is not how I would describe my cost of living, I wish! :Assistant: I think that person is assuming you live in a LCOL area because your expenses are so low. Do you live with your parents or something? Either way, your expenses are low relative to your income, you cna easily pay this off within a year.Human: I live with my fiancé. Im surprised that my expenses are considered low. Any recommendations on how to allocate payments to my cards? Highest interest cards first?  <response>: I just saw your response to someone else, you misunderstand what expenses are. Add up everything you spend money on in a month. If you dont know, thats part of the problem. Download Mint and track every dollar you spend for a couple months to see where its going. 