<prompt> Human: I am 24 years-old and in a crippling debt situation. I will list the debts I currently owe below, but will give a brief summary now. Currently, I have around 48,000 credit card debt with 21,000 student loans remaining. I am also leasing a car and renting an apartment was not sure whether to include that in my debts, but I included below. Over the past few years, I have just brushed it off as I ran up all of my credit limits across various credit cards. I have finally gotten to the point where it has become difficult to make minimum payments on my credit cards while keeping my checkings account in the positive. I make approx. 88,000 per year and net about 4,500 a month. Now, I know I make decent money for my age so I should not be in the position I am in, but I am due to poor decision making and I am looking to resolve this. I have little to no savings and minimal money left in my bank account. My parents make good money, however I am too ashamedembarrassed to ask them for help. Without asking them for help, what would my best options be to resolve this? I am obviously terrible with finances, but I want to begin to take the proper steps. I have set up a consultation with a non-profit consumer debt counselor in the coming days just wanted some advice beforehand and to know if this is actually the right step. NOTE: I am not asking for sympathy as I know I have just made stupid decisions and spent money on random items and purchases. I am asking for actual advice and would appreciate anything that might be helpful. Thank you.Credit: 48,000Car: 400mo 36 mo. lease 30 months leftApartment: 1,450mo Student Loans: 21,000  <response>: You spent 48000 on something. What was it?Im hoping that it was televisions, laptops, tools and not clothing and trips.Sell all of the junk to get as much cash as you can.Unless you live in SF or something - get a cheaper apartment.400month for leasing a car is not affordable right now, but that ship seems to have sailed.Make a budget with a debt repayment plan. If you cannot even make your minimum payments, you will never get out of debt and its time to consider bankruptcy. This will not dispel your student loans, but it would help you address your consumer debt. 