<prompt> Human: Ok--this is the first time I am disclosing my credit card debt to ANYONE which is why I created the throwaway.Little about me--24 yo grad student. Finishing up my first year of a three year program. I will be making 1500wk for 11 weeks this summer, 3000wk for 10 weeks next summer and then, after finishing the program, I will be making 160kyr already have the job lined up. During the school year, I can service about 500 worth of debt per month thanks to grantsscholarships.Now the debt. It makes me sick typing this up for the first time but it needs to be done. I am not looking for chastising or lecturing. I know I fucked up big time accumulating this debt. It was a spiral of bad decisions and family emergencies. There are four credit cards: 9,500 at 17.99 6,300 at 15.24 1,283 at 13.24 3,700 at 0.0 for a few more monthsFICO score is 690. What is the best way, given my situation, to approach this disgusting debt? Any good options of consolidation, lending clubs, etc. that would give me a lower interest rate? Be gentle. Please. This makes me sick enough.  <response>: Just cut them the biggest checks you can afford every month. Highest interest debt first.Cut back your spending as much as your can too. 