<prompt> Human: I cant believe its come to this. To preface, please refrain from judgement regarding the credit debt. Im aware at how fucking stupid it is. What matters is that Im trying to end it and get out, while changing what it is about me that got me here. Ive created a budget sheet that summarizes all of my debts, and am exploring options for how to address this. Credit: 15,000 between three cards, interest rates vary from 12.75 to 20.99. Personal loan : 10,000 at interest of 9.55Student debt: 30,000 at an average interest rate of 5.26; monthly payment of 578; payoff in 5 yearsPay: I make 65,000yr, with occasional work trips that get me extra money when I go out to sea. During these trips, I take the chance to pay down debt. I have practically no life costs during these month long trip. This brings my income to at least 70kyear. Monthly rent and utilities are 900. I live in Seattle, so food costs are high.Currently, credit rating is between 740-780 I never know who to useOptions - The personal loan was my attempt to address the accumulation of my first shit ton of credit debt. It lowered the interest rates overall, but my terrible habits racked up more. That needs to end. Step 1 - I just did a balance transfer about approximately 6,000 to my lowest interest credit card 12.74 and want to pay that down first. Step 2 - Im looking at refinancing my student debt to one lender SoFi. My thinking is this - if I set it to pay off the debt over a longer period, it will bring down my monthly payment to 200. The extra money goes to the high interest credit. However, its bad that Ill wind up paying a good chunk more in student debt over the course of my life. In summary, my current knowledge of how to tackle this seems to me that I should play some of the balance transfer game with the credit debt, and front load all of my extra money to that. Meanwhile, Im paying an overall lower monthly cost to my student debt. When I get out from this crippling credit debt, I start pushing everything extra to the student loans. In this way, I can hopefully get everything sorted out in an overall shorter period of time.Importantly, Im thinking that the lower student monthly payment will help me change some of my behavior as it relates to debt. Currently, Im all too often finding myself with too little money between pay periods, so hey, toss it on the card. If anyone can give me any wisdom here Id greatly appreciate it. This is horrible. Thank you very much.EDIT - First off, thanks everyone. Many people are asking about a budget - part of why I didnt post one is because I know it has been absolutely abysmal. Ive been living way beyond my means like an idiot - drinks, eating out, flights to see my now ex-gf, sports equipment, etc. Too much has gone to credit. One thing to note but not a worthy excuse... is that a lot of this got racked up during graduate school when I was on a 24kyr salary before taxes. Still, Im working on making personal changes. Budgeting out EVERYTHING from here on is my intention, and keeping track of everything...not just required things like insurance, etc. Additionally, Im going to be doing Airbnb with my room when Im away on these work trips. Every little bit will help. Thank you again.  <response>: Step 1 is a budget...you need to list out all of your expenses, your income, and your debt payments each month. Then, allocate every dollar you take in for the month. During the month, if you didnt allocate money towards something, or youre out of money in that category, you just dont buy it or you go back to your budget adjust it, choosing where youre taking money from to pay the expenseUltimately, juggling debt around is not the solution to your problem...youre just playing a shell game with yourself. The only way you will really get on top of your debt is to plan out your finances instead of reacting to them, and include lots of money going to pay down debt in that plan. 