<prompt> Human: Hello everyone. Throughout the past two semesters, I have over spent and really regret it. I made stupid purchases and dumb decisions. I have truthfully learnt from my mistakes and I just feel like an idiot now. I am around 4000 in debt.Over this summer, I will be working, making 20 an hour. I have made this spreadsheet detailing the kinds of debt Im in. Im just wondering if there would be a smarter way to pay this off. Im not too well versed on interest but I am curious to know which way would be the best way to pay it off.Please help a brotha out!  <response>: 4k is peanuts and absolutely money well spent if you learn the lesson correctly. Follow ukayoss_s advice, and see if you can pick up some extra hours over the summer. Think of it as your repayment, it would suck to work all Summer and only pay off debt. I would go to every bar in town and ask if they have shifts for a bus boy. Literally could work 15-20 hours a week and 450-600 bucks. If you do that on top of your 20hour job, youll be out of debt by Mid-July. Mentality is everything, and most never realize how dumb it is to spend money. 4k for that mentality will pay dividends down the line. Youre 20, youre in mild debt and youre about to be employed. Take advantage. 