<prompt> Human: Currently I owe 1749 on a paypal credit card, 2246 on a Chase card, and 3138 on a Wells Fargo card. The minimum payments on each of the cards ends up 250-300 per month. Im a student and cant make those payments right now I work part time because of classes and only make around 300mo. My semester ends soon so I will go back to working full time and hope to be making 2000 per month for the next three months or so. Afterwards, I will go back to working less but more than I am now. I hope to be making closer to 1000mo throughout the fall semester. I dont have many expenses. I dont have a car currently, my cellphone bill is 50mo I can forego this but my jobschooling requires me to be internet connect a lot, so doing so would be an undue hassle in my opinion; I pay for a music subscription 10mo; I dont eat out at all and I am vegan so my food expenses are low I would estimate 50-75mo; I dont go out to drink a lot, or if I do want to, I buy a cheap handle 20-30 and dont drink at the establishment I only do this once or twice a month; I dont buy clothes frequently, if at all; I dont spend money on my hobbies anymore; I might be missing something, but in general, my expenses are low. What can I do to make my situation better? Should I seek debt consolidation? Should I talk to my individual institutions and promise consistent payment? Should I seek a settlement option? I dont know and Id like advice on what to do. Thank you  <response>: How did this happen? Thats the first thing to figure out. Youve been spending money you dont have.Nobody is going to want to give you a consolidation loan if you only make 300month, and they wont settle with you while the debt is current. You will need to pay this back eventually as things stand now. 