<prompt> Human: As the title states, I have accrued 44k in debt due mostly to admittedly terrible money management. I would use loans as a means to bail out of tough situations caused by my lack of savings, and Im trying to dig myself out of this hole. I moved in with my dad who is understandinggenerous enough to let me live there rent free and that has opened up some income. Just wanted some insight on how you guys would recommend tackling this. Here is the breakdown of each loan:Auto loan 1: 13k 18 - 391 monthly paymentAuto loan 2: 16k 17 - 350 monthly paymentStudent loans: 3.3k 5 - 64 minimum monthly paymentPersonal loan 1: 8.2k 25 - 358 monthly paymentPersonal loan 2: 8.2k 36 - 350 monthly paymentI currently make a little over 5k a month before all of that comes out. My credit score was 610 when I got these loans, and it has since increased to around 710 due to paying down my credit card accounts. Any advice you guys have would be great.  <response>: You might have incorrectly formatted line breaks. To create a line break, either put two spaces at the end of the line or put an extra blank line in-between lines. See Reddits page on commenting for more information.I have attempted to automatically reformat your text with fixed line breaks.--- As the title states, I have accrued 44k in debt due mostly to admittedly terrible money management. I would use loans as a means to bail out of tough situations caused by my lack of savings, and Im trying to dig myself out of this hole. I moved in with my dad who is understandinggenerous enough to let me live there rent free and that has opened up some income. Just wanted some insight on how you guys would recommend tackling this. Here is the breakdown of each loan: Auto loan 1: 13k 18 - 391 monthly payment Auto loan 2: 16k 17 - 350 monthly payment Student loans: 3.3k 5 - 64 minimum monthly payment Personal loan 1: 8.2k 25 - 358 monthly payment Personal loan 2: 8.2k 36 - 350 monthly payment I currently make a little over 5k a month before all of that comes out. My credit score was 610 when I got these loans, and it has since increased to around 710 due to paying down my credit card accounts. Any advice you guys have would be great. ---I am a bot. Contact pentium4borg with any feedback. 