<prompt> Human: Hi everyone,long time lurker, first time poster. using a throwaway since i am a heavy redditor and i am less than proud of my circumstances. The title pretty much explains it, I am currently a student in college and I work full time. I make about 33k per year before taxes. my main credit card Chase Freedom is holding a balance of about 10k10,500. this has been pretty steady for the past year or so and hasnt dropped below 9,000 for maybe 2 years. my minimum monthly payments are around 180. Give or take, depending on how irresponsible Ive been between terribly and horribly. I have a few other credit cards: Best Buy: 15002500, Discover: 600750, Citi American Airlines: 25002700 and am financing a vehicle 266month. The only other major monthly expense i have is the insurance for the car, which is about 190. I currently live with my parents, but will likel have to move out around this time next year - main reason that I am beginning to sweat. My past carelessness is catching up and im not sure what to do. most of the debt Ive collected was before I was 20 and didnt fully grasp the consequences of my actions.. yes, I have been carrying much of this a long time... This is not including my federal loan debt, which is currently being deferred as I am enrolled in University. I dont have a number for that at the moment. So I am basically drowning and am not sure what course to take. Should I get a loan to consolidate all of my debt and pay that off? how does that work? is there a secret grant from the government for people that make stupid decisions? or should i cut my losses and become a drifter?in all seriousness, I am an idiot and I need help. please let me know if any more info is necessary.Edit: Additional Requested Info will continue to update as necessary:- APRs: Chase - 19.24, Discover - 13.24, American Airlines - 22.24, Best Buy - 28.24- Monthly Take Home Pay - around 1800 about 900-1000 bi-weekly- Monthly expenses include 266 car payment, 190 Car Insurance. Other than that, just my monthly card payments, which is the killer.- No option to stay with parents, they are moving upstate and selling their home here.  <response>: Pay the minimums on all cards every month. Once youve paid the minimums, take all extra money that you have, and THROW it hard at your debt, starting from highest to lowest interest rates. So, take care of the Best Buy and American Airlines debt first.I dont think that moving out soon is realistic. More important than this, is starting to take hold of your finances. Stop financing flights and Best Buy stuff. Thats all unnecessary. Stop eating out. Stop going to bars. You need to buckle down, and start living a lot more lean. Sell off any crap that you have, such as turntables, big screen TV and video game systems, digital SLR camera, etc. That stuff is costing you more in interest sitting around than it would cost for you to sell today, use that money to pay back the loans, and then buy again in 2 years, this time with cash. You dont finance enjoyment. Keep your car for another 10-15 years to make it worthwhile. Stop spending. Stop spending. Stop spending. Make major life changes. 