<prompt> Human: Hey pf, Im 23. A little background: went to college for a couple semesters before dropping out, never paid for it, and havent started to make payments. They sent me a bill a year or two ago and it was something like 2500 dollars. I also have some unpaid hospital bills that are probably around 5,000. Thats the entirety of my debt. Im working a sales job now for the last 2 years and almost doubled my income from about 18,000 a year to now around 30,000. I have been irresponsible with it this last year though and only have about 1500 in a checking account and 200 in a savings. I have a virgin mobile no contract cell phone that I have faithfully paid 35 dollars a month for without being late for probably 5 years now. But now that Im starting to wake up to my finances I realize I could be throwing away a chance to rebuild my credit. You can do that right? Build credit with contract cell phone plans? Which carriers do you recommend? Also any advice on how to start paying off those debts? Thanks for any help you can give this newborn. In 2016 I have resolved to become born again in the way I handle money.  <response>: You cant rebuild anything while those student loans and other debt are actively tearing your credit down. Repayment should be your priority. Contact your lenders and see what your payment options are. Start working on both debts, but focus the majority of your efforts on the debt with the highest interest. 