<prompt> Human: Hello, x200B;In the past two years my credit card has gotten away from me, and in a sheer act of panic transferred 5k in credit card debt to a 10.75 loan with my bank. As I was paying that off I was still in the honeymoon phase with my new wife going out to eat travel and instead being responsible for my actions and not pumping the brakes and bringing this up sooner, I unfortunately continued my habits racked that debt back up. Although my wife has no debt..I feel panicked and in a bind.x200B;currently I have 6k left on my vehicle loan 4.753.795 left on my loan 10.754,437 on my credit card APR 23.74x200B;Any financial advice and tactics to digging my self out of this hole will be appreciated.my guess would be to consolidate the credit card into the loan and seek supplemental income to help pay that down. x200B;I am really ashamed  <response>: 1. Create a budget. Write down your income and EVERY expense. Eating out, utilities, housing, gas, clothing, etc... Write it all down.2. Cut unneeded stuff from your budget. Stop spending money on extra things. No more eating out, or at least limit it. This is temporary but you need to do it. 3. Make minimum payments on 10.75 loan and vehicle loan. 4. Throw every extra dollar at your CC loan. Do this every month until its gone. Sell extra things around the house, work extra shifts, drive for uber whatever... Pay this down as quickly as possible. 5. Once the CC is paid move on to the 10.75 loan. Do the same thing.6. Finally move onto the car loan and do the same thing. 7. Then restructure your budget to start saving for a emergency fund of 3 months. 8. Then start putting 15 at least of your income towards retirement. I wouldnt consolidate your debt unless you got a REALLY good interest rate. I would just start knocking it out. In reality its not that much. With a good budget and discipline you can knock it out in no time. 