<prompt> Human: So Im 12k in credit card debt and have about 9k in student loans. Pay like 160mnth for student loans I have a car lease of 400 and insurance thats about 160 a month. Rent is 400 wutilities and to get to work it costs me about 300 via public transportation. 90 on phone with data. I spend like 900 on food, gas, and going out a month pay for so. I take home around 3k a month after taxes and somehow I cant pay these balances down. I dont have any money saved up.Cards as follows:4377 18.9 min 1073665 19.9 min 792879 24.99 min 901207 12.99 min ? I try to pay more than the minimums but Im barely making a dent. How should I attack this?  <response>: You are spending way too much money on transportation. Why spend 300 on a public transport and pay 560 for a car leaseinsurance plus whatever you spend on gas. Try to optimize your travel so you can reduce that amount. What you need to do is make a decision to reduce the 900 spent on gas and food and fun, all the way to 600 and use the remainder to pay down your debt. And you SO needs to carry hisher weight as well, at least until you stop drowning in debt. Pay minimum on all cards except for the one with 24.99 and try to get rid of that one ASAP. Once youre done with that one, move onto the one with the next highest interest rate. 