<prompt> Human: Hi all. Due to several bad decisions early on my life I have a mid 500 credit score. I really needed a car so I took the first loan I was able to get which was at 20 on interest. Sadly, I also have some loans that I co-signed and I am responsible for bringing down my score. On top of that I owe BoA money on a credit card so I cannot get approved for a credit card to try and bring score up. I need help, I know I made really bad decisions so I am just trying to get help on everything and start saving money. Thanks  <response>: If you post details of your balances and interest rates, and your budget and incomes, this sub will help you with a specific plan. Otherwise all youll get are generalizations. What this really says is- do you have a detailed understanding of your finances now, and know where your money is going? 