<prompt> Human: Hi guys need help with my finances!! Right now I have 8500 on credit card debt and 10500 on student loans. Im not sure if I should refinance my credit cards or just keep paying little by little. Im trying to see if I find a part time job to pay off my bills. My question is if there is anything you guys recommend I can do to help me pay this debt. Assistant: Total of seven credit cards 2240.45 min 54631.26 min 301003 min 30660.51 min 202005 min 671991 min 45Student loan10759.13 payment 150Other billsDog walker 100 monthFood 1000 monthRent 500 monthGym 21 monthNetflix 9 monthCell phone 100 monthDog food other expenses 100Income 2300 after taxes and transportation and retirement are deducted  <response>: Dog walker? I dont know your entire situation, but if you have time to go to the gym and watch Netflix, you have time to walk your own dog. Then use that 100 a month to pay down your highest APR credit card. 