<prompt> Human: Hi,So I have a 4000 personal loan at 16.99, I have two credit cards one at 1600 w 20 interest and one at 800 at 20 interest. Plus I have my car which I pay at 255m. I have insurance at 277m and my phone at 90m.I pay 75 a week in food and 100 in gas per month.Please dont beat me up, Im in bad shape and I know it. I lost my job recently and I took a new job that pays less. I am taking a part time job to supplement my income. Im working a Full Time job at 40 hours a week at 12h and a part time job for 10 at 12.Im in school and I am almost done, I graduate with my associates in IT in May and I am taking a certification test that will help me find employment in IT next month. I know that I can transfer my CC debt to another card that allows for a 0 APR for 15 months and maybe that will help for a while. This doesnt have anything to do with finance but things are just really tough for me right now, Im taking care of my elderly dad and he doesnt have support. My old job use to allow me to be close to home and help him and I was making decent money with that job. I was able to pay things easily and was on track to get everything wiped. Now I cannot, Im in rough shape and Im trying my best to get everything squared away and get my school and certificate done. Im not feeling good right now, so I hope you wont yell at me.I really thought about doing debt consolidation and and using money I mightve saved to put back and taking care of that one large debt but thats still a bad idea. I just dont know what to do. Im scared of leaving my dad alone and thats part of why Im doing poorly.  <response>: It is really tough to be a caregiver and can be draining in many ways. Be kind to your self. You are doing the best you can. Yes, your interest rates are high. Pay all your minimums then prioritize paying back the highest ones first while seeing if a 0 is available. You are working a job and a half. You are almost done with school-so hopefully you can leverage it to a higher wage. The totals of your debt are not crushingly high, keep a close accounting of each debt and where your spending is actually going and you can stay on top of it till your salary goes up then you can demolish your debt. Dont forget to do some self care- can be small -a candy bar, a car wash whatever makes you smile . You will get through this. 