<prompt> Human: I will spare you guys the very crazy story of what got me to this place, but here I am. I am hoping you guys can steer me in the right direction with ideas that I havent thought of myself. Income: 2x a month 2810 actual deposit to my bank. Im attempting to rent my rooms out in my house for 450 each, unsuccessfully so far. My ex is suppose to pay me 200 a month but doesnt. x200B;Currently my debt is the following, I have a few credit cards at very low interest rates due to SCRA benefits military:USAA personal loan 8628 12.45 -- 297 Monthly paymentDell 1128 25, 35 Monthly paymentChase Prime 7725 23.99, 217 MonthlyChase Freedom 6418 4, 87 MonthlyChase Unlimited 7062 10.74, 137 MonthlyDiscover 6867 4, 138 Monthly Andrews FCU 26450 15, 556 MonthlyUSAA CC 2279 4, 31 MonthlyStudent loan 44157 5.5, 118 Monthlyx200B;Expenses: 1070 Mortgage700 food food, beer, eating out, anything like that70 water20 Gym300 Geico 45 pet insurance 150 power50 Cable188 Cell Phone 15 Spotify75 natural gas1350 car payment200 Gasoline1000 misc expensesx200B;I am suing GM for my car, it will be turned in this week. I will walk away with no negative equity, and also no vehicle. x200B;1st question, what is my best option for getting a replacement vehicle? Ive been approved for up to 31k 6.99 x200B;2nd question, how can I get out of debt? I have NEVER been late or missed a payment on anything ever. I do however have a lot of inquiries, and my DTI isnt so hot. My credit score is 590-620 depending on who you pull. Ive attemptd to try and apply for good debt transfer credit cards but Im denied every time. Also denied by all the lending tree loans and stuff too. x200B;Any suggestions to become debt free?x200B;EDIT: Will look to reduce cell cost to around 50Aiming to get a 5-8k used vehicleGoing to try meal prepping to reduce food costWill reduce misc cost way down and use half of the reduction to build emergency fund and the other half to go toward debt too. Reduce credit cards first, hopefully refinance the other stuff once my credit is repaired from the efforts Assistant: What is your Misc Expenses category? Is that primarily your debt payments not counting your car loan and mortgage? Does your debt list include you car loan? Im assuming thats the CU one?Human: the misc expenses is random stuff for the house I didnt realize was taken in the divorce, going out money movies, bowling, clubs ect, and random expenses that pop up like tag renewal or other stuff.  <response>: Im sorry but this is nuts to me. Going out money of 1000 a month is the last thing you should be worrying about...One month of this pays off dell. 3 months pays off Andrews FCU or the USAA CC. You need to reevaluate where you want to be and make some serious changes. 