<prompt> Human: I made an account here because I had nowhere else to go. I didnt know where to turn. Been dealing with an undiagnosed mental disorder my whole life that causes impulsive behaviors including binge eating and impulsive spending.nbsp;Im in my late 20s, and was diagnosed about 6 months ago and prescribed medication. It was the best thing to happen to me. I felt normal, I started eating healthy and exercising, etc. The only thing is that now I actually see my debt. nbsp;I used to just ignore it, because future me would take care of it. Now with the medication, I was able to analyze my current situation and realize how screwed I really was. I stopped the impulsive spending...while on medication. 4 months ago, I went off my medication for a few days, and ended up signing an unplanned, impulse lease on a new car cant break the lease now. A month ago, I decided to take a week off from my meds. In that week I gained 5 pounds and added over 1000 in credit debt.nbsp;Well, thats the background. Now on to my hopeless finances. Today was the first time ever that I sat down and put all the numbers together. I almost passed out. I have no idea where to start. I also have no savings. Ive almost changed my mind on making this post, just so I dont have to look at the numbers again.nbsp;Here is a summary:Monthly Bills min payments to monthly income net ratio: 82I get paid monthly. My net paycheck is about 2,900. My monthly bills: 2,390 and increasingI have 7 credit accounts totaling 14,713.01I have 5 loans including 2 student loans, all totaling 72,477.87Thats a total debt of 87,190.88.My interest rates are pretty much the worst you can get, and the student loan is on economic hardship status, which means Im not making a dent in the principle, and I believe Im even paying less than the interest.Here is a breakdown of the rates:CreditLoansWhat the hell do I do? Oh yea, and I almost forgot the fact that I will also owe 2k in taxes this year, and the only way I could possibly pay this is putting it on a card. I know Im completely screwed, and I feel hopeless.Assistant: Since you state your monthly bills are 2,390 and I add up the minimum payments on Credit and Loans to be 1731.62, does that mean you are living at home rent free or do you have all the regular adult bills that all add up to only 658?If you are at home, do you trust your parents? If so, first thing to do is start making some behavioral modifications. Give all of your credit cards to your parents. Remove your credit card numbers from any online shopping places you frequent like Amazon. Place a freeze on your credit, get that pin, and also give it your parents to store with the rest of the credit cards - that will mean you cant open up any new line of credit if you pause your medications again.Second, make sure you dont stop your meds. Set an alarm that goes off the same time every day. Dont turn off the alarm until you take your medication. You know you need this, so start making it a habit.Your parents can give you a cash allowance to pay for your day to day needs from your paycheck. Once you are out of cash, you cant spend.Then you will want to start looking into refinancing a lot of that debt. To do so, first look at all of your credit reports and see what you are working with. Dispute any inaccuracies. What sort of refinancing you can expect will depend on your credit report, your credit score, and what this debt is for does it have collateral, for example.If you dont live with your parents, or if they arent someone you would want to trust, it will be a bit more difficult and take quite a bit more will power, but you can still work this out.Human: Thank you for the advice!You are correct, I live with a parent now. I moved in about a year ago after getting a divorce. One of the loans is a wedding loan, and about 2000 of that credit debt is the divorce lawyer fees. yea...I know. Consequently, the divorce is the reason for the taxes I owe W4 for all last year was including Spouse, but now Im filing single, so I have to pay that backI definitely dont plan on getting off my meds again.As for my Credit Score, Im at 700. I dont have any late payments, or anything in collections. The only thing bringing me down is Credit Utilization and amount of debt.  <response>: All things considered, while the final tally is a scary number - I think youre doing quite well and I think you need to hear this. IMO, youve already done the hardest parts of personal finance: you understand the actual numbers, you have addressed why youre in debt and youve taken positive actions to not go back by getting the help you needed. It wont be fast and it wont be easy, but debt pay down is simple. Its just math. Which you clearly can do. You just need to choose a method that works for you to get this accomplished. That being said, be nice to yourself so you can stay the course and pay this down.I would recommend giving yourself some early psychological wins, by focusing any extra money on the debts related to your divorce, so you can close that chapter of your life. I also would recommend that you budget yourself sufficient spending money - so you can learn to balance your frugality austerity. Have enough spending money to get a pizzabeer with a friend. 