<prompt> Human: Hello everyone, long time lurker, first time poster. Ive read alot on here and I wanted to get personalized advice for my situation. I make 43K base a year and I live in Wash. DC. My job does have virtually unlimited OT but Im living paycheck to paycheck and I want to get into a better financial situation as Im 2 years out from getting my own health insurance. My current expenses are -Rent 600 I rent a room from best friend in his house he owns, once his mother moves in, it decreases to 400-Utilities 100-Cell Phone 160-Insurance 280 I split insurance with my friend-Car Note 430I contribute 75 month to medical fsa and My credit score is currently around the 540 mark from credit karma. I owe-Student Loans 7K-Car 11K 2437; APR DriveTime-NFCU CC 5K At Limit-NFCU Line of Credit 500 -Old car loan 2500-Old VZ bill 250My end goals are to save and increase my score. In about 6 months I plan to get an apartment as well. In the mean time what should I do financially? EDIT. I just recently paid off an old rent debit for 4K, am old car I owed 1500 and two small medical bills. Im making progress but I just wanna know the next step.  <response>: Debt aside, if youre just trying to up your credit score, pay down the credit card to lower your overall utilization. 