<prompt> Human: Hi there! I have a year left of school yay! and will have no student loans so far thanks to a 529 plan. I do however have around 11,000 of credit card debt. I acquired most of it when I was younger 18-21, I am now 23. I really want to pay it off. I have never missed a payment but only ever make minimum payments. I work as a photographer and graphic designer my degree and am in school full time, going into my senior year thesis time! so time is tight. My cars transmission is going out so I need a new car sooner than later. Would you wait to buy a new car until the debt is paid offdown? if so, how much should I pay it down before I apply for a car loan?I dont live somewhere with good or reliable public transportation and lots of snow so I kind of need a car to get to work and class.What is the best way to tackle the debt? I put everything I make towards it but do not seem to ever make any progress :  <response>: TL;DR: Get a normal part time job with regular pay and do the photography as a hobby until you have more timemoney. Fix the car. You cant afford a new one. Cut out all the bullshit from your budget and focus on that debt. Theyre raping you on it.You might be better off with a regular part-time job while youre in school. In one of your posts, you mentioned needing to commute 20 miles andor venture into the woodsmountains. This is time consuming and unless theyre paying out the ass for it, quite frankly its not sustainable in your position. Its not regularly scheduled and the income is varied. You mentioned you make an average of 600 bucks a month on your Photo gig. If you worked an entry level, part time job 20 hours a week at 10hr, youll make about 10K a year. Sure you cant brag that youre a photographer, but you will save time on the commuteset upshootpost processing lets not kid about it. Legitimate photography is VERY time consuming. Time is money. Furthermore, time is scarce in your situation. You dont have the money to buy a new car. Id recommend fixing it at a shop that covers their workmanship for XX months or a year or so. What is actually wrong with it? Lastly, your debt, budget the fuck out of your income. Whats the breakdown of that CC debt? Is it all one card or is it spread across multiple cards? Cut out all the bullshit from your budget and take care of that because youre drowning in it. 