<prompt> Human: Hey everyone, Ive been really excited to post here since I read about it. Im in a decent financial state day-to-day, but my student loans are a constant cloud over my head and Ive also gotten a bit of credit card debit largely because Im an idiot and money burns a hole in my pocket. Here are the basics-Employed since May 2013, averaging about 1960 a month after taxes. I have very little in my savings, around 500, because I just quit a job to take a new one and forfeited my vacation pay. This put me 950 in the hole.I had more in savings but purchased a car in January that was better on gas and more reliable, and my monthly gas and car payment now about equal out to what I was paying in gas before. My car payment is 213 a month because with my credit score of 725 I was able to get a decent rate for a used car. I owe around 2,400 in credit card debt. I always paid this off every month which is why I have decent credit at my age, but essentially I was stupid and started spending amounts beyond what I could pay every month because I wasnt paying attention to how much I really put on here. I currently live with my dad so I am planning on paying this off in the next 2-3 months in large chunks since I do not pay rent. Im wondering if I should transfer this to a credit card with 0 APR on balance transfers.The next part is the most fun- my student loans. I had a full academic scholarship for tuition, but between room and board in Boston for 4 years I have a decent amount of debt. This was including money for rentfoodactivities when I moved out of the dorms, I didnt have parents that could help me and it was expensive to live in a large city but I think the scholarship I got was the best offer. I pay 550 a month in loans, with my father helping me with 150 towards that. I want to refinance my private loans, which amount to 38,000, but no one seems willing to do it without a cosigner. Any advice for that would be great, they really screwed me on the interest rate for the second loan I took. My govt loans are easy enough to change payments on, and I wish I knew what to do with private.That leaves me 1387 monthly to fool around with. 300 or so ends up going to gas for driving and commuting, and I give myself around 100 a week for foodentertainment. My current plan is to push it all to getting rid of credit card debt ASAP, then start building up savings again and hopefully moving out if I can find a rent I can afford which I think would be around 500 utilities not included. In short- what am I doing rightwrong? Should I get a card with no APR on transferred balances, what do I do about my private loans, and and how much should I try to cut down on foodentertainment spending? Thanks everyone!  <response>: You need to create a budget. You know your major expenses, but the rest is just money to fool around with. Mint automatic or YNAB manual can help you do this. This will help keep money from burning a hole in your pocket.You dont need a balance transfer for 2,400 with that much extra cash per month. Just pay it down ASAP, like you said. You should treat your student loans the same. can give you a timeline and attack plan towards paying everything down. Again, 38,000 doesnt really warrant consolidation in my mind, unless you your interest rate is above 10. Just be diligent and pay down the highest interest first.The rent-free living will give you a leg up on paying your debt down. The latter part of your plan is solid, as long as you are building an Emergency Fund beforehand. 