<prompt> Human: I dont really know where to start here. Im 21, will be 22 in march and I currently have around 15k in credit card debt as well as around 2.5k in payday loans. I didnt rack up these bills myself, I used my cards and received the payday loans to help my parents pay their bills and expenses while they were down on hard times. I also emptied out my savings twice to help them. Theyre still struggling and are unable to pay me back and I cant afford to pay everything off myself. I can barley pay the minimum on everything. Other than the massive amount of debt that I have my credit profile is decent. I have 0 missed payments, 0 derogatory marks and nothing in collections as well. My oldest cards are a little over 3 years old, all with no missed payments and all of my accounts are current. I just dont know what to do here to get out of this hole. Ive tried applying for a debt consolidation loan but I have a bad debt to income ratio so no one will approve me for one. I really want to get this all under control, while attempting to keep my credit history clean. My oldest cards are a little over 3 years old, all no missed payments and all of my accounts are current. Thanks to anyone that can help here, any help at all would be much appreciated.Assistant: Whats your income? Expenses? You have to figure out how to increase the difference between the two.Also, STOP lending your parents money. Youre just enabling their habits. They need to be financially responsible and need to rely on themselves. I know this isnt the nicest thing to hear, but money is something people need to look at themselves first. You need to make sure you are in a good place financially before you are able to help others.Human: No thats a perfectly understandable thing to hear. I wish I hadnt in the first place, but I had to or else we would have lost our house, cars and everything else. I listed my incomeexpenses in another comment, but here it is.I make around 600 a week. Im still living at home, and going to college so expenses are little. Gas for my car minimal, car payment 425 but I always pay 500 or more each month, and insurance for my car 400.  <response>: You pay 900month for a carinsurance?! Without that car you could have your debt paid off in 1.5 years. I make quite a bit more than you and I would never imagine paying that much for a car.In the short term, if you are paying high interest rates, I would recommend finding a card like chase slate or similar to try and do a 0 apr balance transfer so more money is going to principle.Also, stop giving your parents so much money. Do they work? Are they ratcheting down and budgeting on expenses? In 