<prompt> Human: Hello, Everyone readingI am a 20 year old college student who is living about 90 financially independent Parents still paying for Cell and Health Insurance and I have become quite desperate attempting to pay off my existing CC debt. Combined with my monthly bills RentUtil.Food, etc. I feel trapped and unable to keep up with my peers and the lifestyle I would like to live. I currently live month to month with my small paycheck and secondary income from internet gadget sales. I dont spend lavishly and I try to eat at home as much as possible but i still can not seem to get on top. I am struggling also on choosing the best solution for my current monthly payments that are nearly 40 eaten up by interest combined.I have read about Credit Counseling and Bankruptcy, but both have some pretty terrible long term effects on my Future credit scorereport. I have already done one balance transfer thats benefits will soon be running out. I have never missed a payment on all 3 accounts and I have achieved the lowest interests rates that the lenders would give me after some pretty pathetic phone calls I made begging for mercy. I racked up 70 of this debt in 2014 when I graduated high school and had a wealthy girlfriend with a lavish lifestyle. I needed a job but a job meant less time to spend with the girlfriend and I was foolishly Ignorant to the idea that these impulsive decisions would effect my future. After I did the 2,000 balance transfer in 2015 from by BOA to Chase account I lost my job and was in the middle of a move to a new apartment and nearly replaced that amount on the BOA card. It has been between 6-8 months since making a single purchase on any of the accounts, but the principle is diminishing at a depressingly slow rate. I am seeking advice on how to manage my monthly debt payments as well as how to become completely debt free.BOA:2,900 Max: 3,000AMEX:2,800 Max: 3,000Chase:1,700 Max: 2,000, balance transfer from BOA 10mo ago  <response>: keep up with my peers and the lifestyle I would like to live.Well stop trying to do that. That wont help.You need to track every dollar that comes in and see where it is going. Cut things you dont really care about cable when you only watch netflix, starbucks everydaye, etc . And try to make more money.see about getting a debt consolidation loan so you pay less interest. 