<prompt> Human: Hi all,Im coming off several months of unexpected unemployment and unfortunately racked up a lot of debt during this time. The good news is now Ive found a job and start work again in the new year! But there is this crushing debt problem and Im very scared.After bills not including payments towards the CC debt Im taking home around 1,000 to 1,300 a month. Ive budgeted to allow myself to save 6 of my paycheck into a 401k but my company only matches 2.5. I also budgeted an additional 6 for a Roth IRA in addition to the 401k.I need to attack this but Im not sure where I should start. Here are my debts: Cap One Quicksilver: 7,000 25.9 APR - 11k limit Cap One Venture: 10,000 23.99 APR - 20k limit Bank of America Travel Rewards: 11,000 0 until July 2019 Maxed out Amazon Store Card: 2,000 26.99 Paypal CC: 2,500 19.99 - 3k limitTotal debt: 32,500My credit score is 722, with no late payments in the past 4 yearsWould a debt consolidation loan for everything except what is in the BoA Travel Rewards card be advisable? You guys are so great and I have seen so many wonderful success stories based on the advice of this community. Any suggestions are appreciated and please let me know if there are any other details that would help formulate a plan! Thank you!  <response>: First of all, stop being scared. Sure, the debt sucks, but fear isnt helping anything. Make a plan and start executing, but stop wasting your energy on fear.As others have said, you are in no position to be investing any more than the company match and only then because its free money. Every last cent you can scrounge up goes towards the CC debt.Im guessing if you post your budget this sub can help you find some more fat to trim. Up to you if you really want that kind of help. Also...if you reaaally want to get out from under this debt, get a second job. Last thing... YOU MUST STAY THE COURSE!!! 6 months from now you are going to be sick of pouring all your money into this debt and you might even start feeling sorry for yourself. Be prepared to suppress those feelings and continue executing the plan.Good luck! 