<prompt> Human: Hey personalfinance. This is a new account. Wanted to ensure anonymity. Anyway, I dug myself into a hole of about 12,000 dollars of CC debt over the course of three years. In that time, Ive never had a full time job, and I just graduated in December. I recently acquired a job at a local news station, but it pays about 10 bucks an hour at 20 hours a week. I have a side gig on the weekend that pays about 130, but its fickle and I dont really like to rely on it. I think of it as extra income and not necessarily part of my primary income. Ive never really been great at managing my money. My parents like to remind me of that, loudly, whenever I ask them for financial advice. So Im here. Is there anything I can do? I recently applied for another credit card to try and transfer some of my balances, but I was only approved for 1000 dollars. Any advice is appreciated. Im not even necessarily looking to pay it off in a short amount of time, Im just looking to make the payments manageable. Theyre sucking me dry as it is. tl:dr Dug myself into a bunch of debt, trying to make it a little more manageable.  <response>: If you are only working 20 hours a week, id suggest doing something with the other 40 hours most people your age spend working. That extra money will make things more manageable. 