<prompt> Human: 26 yo male living in SoCal. Making 60k a year.Feeling stuck right now because I am unable to get back to even.Current debt:8k in CC debt 5.5k, 1k and 1.5k3.5k on an auto loan.No student loansThe interest on the cards are killling me.My current bills are:1.1k for rent and utilities235 for car150 for insurance shopping for new insurance as I have a clean record100 for phoneRoughly 100 a month for miscellaneous reoccurring paymentsI dont eat out much, I try to limit my spend on going out.Just not sure how to get these credit cards back to 0 balance and rebuild my credit? Any suggestions on what to do.  <response>: You might want to check out Dave Ramsey. His program has helped several people I know. I killed a TON of debt by only using a debit card for years. Paid off highest interest card first. Now I pay off the balance on 4 rewards cards monthly. Get the bonus but dont pay the interest. 