<prompt> Human: I am 24 years old and have built up a substantial amount of credit card debt. I have two good jobs now. One of which earns 40k and the other is part time restaurant work that pulls in about 400 extra a month. My debt is about 14k on one credit card with a rate of 13.9 and a car loan for 14k with a rate of 3.25 with a payment of 390. What is the best approach to getting the debt down? The interest payments are around 170 which is causing most of my problems. Thank you in advance for any insight.  <response>: Target the highest interest rate first. You might want to visit the relevant topic in the Wiki and you can also check out for a simulator. 