<prompt> Human: First, thank you for using your time to help me out here. This is a long read and Ill keep it short as possible.Im a 25 year old male and in need of financial advice. This is all the information I gathered on my situation and Ill be as accurate as possible. My profession is a full time waiter. Im in recovery at the moment and not working because I had surgery on Monday and hopefully return on Friday. I live with my 2 younger brothers and my Mom. We all pay a portion of something but I dont pay rent. Just utilities, cableinternet, and personal expenses.Here are the numbers on all my dept gathered from the credit karma app. Everything is rounded up. This does not include monthly living expenses.Total dept: 29,570Auto loan: 17,765 Student loans: 4,765Credit: 3,941 - I personally have just one through Capital One 500 limit, currently at 519 Im an authorized user on my Moms Lowes credit card as well as my younger brother. 3,400 limit, currently at 3,422. I dont pay anything on this nor use it. She always likes to touch up the place so she gives me a list of what to buy and I go myself instead of waiting.Other: 700 dollars. I had a credit card through navy federal. I closed it and just paying it off.Medical: 3,000 I have no idea at the moment how much everything is. Cant find the paper work because I was out of it for a few days and resting. This is just a guessMy monthly income ranges from 1,600 - 2,000. I work for tips so its not always the same. Well stick with 1,600 and break my dept into monthly payments plus my monthly expenses.Monthly Living:Car - 370 Total - 17,765Car Insurance - 130 GeicoOther - 20 Total - 700Credit Card - 25 Total - 519, Capital OneGas - 125 Im guessingMedicine - 30Therapistpsychiatrist - 30 - 15 a session Going to go twice a month. Seeing a new one soon thats closer and Im basing the price off my last therapist. I go for depression and anxiety. Telling everyone because it may play a factor.Surgery and other hospital visits - 300 I cant seem to find the paperwork to the total cost of all my medical bills. This is just my gut feeling guess and just throwing a number outStudent loans - 66 Total is 4,764Cell phone - 55 ATT, Im on a family plan and thats my portion. The other providers near my area are Sprint, Verizon, maybe T-Mobile, and Intelos. These are off the top of my head.Utilities - 100, my portion I try my best to keep it as low as possible. Everyone isnt as mindful to turn everything off and what not. I got energy efficient bulbs and thats all I can think of. Any tips people can offer?Gym - 35Total - 1,286Now, this is my budget if I make 1,600 that month and if I dont go out to eat or spend money at any bars, movies, and other places. It will be a lot of will power and Ill spend my extra free time at the gym, studying for placement test to get back into school, and learning a new skill. I was thinking, later, that I sign up for the car mechanics class at the community college here. I havent brain stormed that idea enough yet and just going to work on balancing this mess at the moment.My current plan thats still in the works:-Take account for every bit of money going in and going out. Keep track of it 247 and be as frugal as possible.-Make all meals at home.-No drinking or toking. Clean living and going to the gym. Hit 2 birds with one stone.-I got a membership to Sams Club for bulk buying.-Pay off my Capital One and closed navy federal card first. Place any extra income into those first. Should I use any remaining balance to pay off the closed card with my Capital One. Say I have 300 left on my closed card and I have 300 available on my Capital One, use it to finish it off and then take that extra 20 a month and bump my Capital One payment from 25 to 45 a month?-Next would be to eliminate my medical bill. Place extra income towards the balance. Or divide the extra income towards student loans and my medical bill.-Look into how to keep better track of energy usage in the house. Its been a but more expensive due to the sub zero cold fronts. Advice on where to get started?-Look around for a better cell phone plan. -Increase my credit score. The one Credit Karma provided was 601. Thats all I have at the moment. Any help would be greatly appreciated. P.S. - For anyone wondering how it got this way, I wasnt very lucky growing up and one family member after another getting sick didnt help much either. So I was working 2 jobs everyday after school from 2:30pm - 12am from 15-19. Im really working on turning things around and Im brand new to learning how to manage money. Im trying to make a big move with my brothers sooner than later. In the process Im going to look for a more stable job. Thats why I thought mechanic. A few buddies of mine work at a few shops and get paid 16 an hour and almost never work weekends unless they want to. When I land that Ill get back into school and Ill plan it from there.  <response>: Sell your car man, you only make 2K a month. It is eating up too much of your income. 