<prompt> Human: Alright, so heres the deal; my credit history is only three years old I just never used to have credit cards. Id gone through a really hard time, got laid off and wound up getting three late payments on credit cards. So, my credit score is already pretty shit, hovering around the 530 mark. I also had my truck fail on me, and when scouting for a new vehicle, I bought into the idea that you should get a car youll be happy with, from my much more financially-successful friends, which basically tacked on 12k in debt Ive paid that down some, obviously, but credit card debt has made up the difference, I think I owe between 9-10k on the car.Right now, my car is sitting in a shop, and Im about to drop 1,000 on a deductible which I can afford, though just barely but its looking like there may be something else wrong, and its unlikely my insurance will cover that.Now, at the start of this journey, I was making about 16k a year, juggling multiple part-time jobs. Now, though, I have a single, stable career where Im making 60k. My priority thus far has been paying back friends and family whod helped me out these past few years, and then Id begin tackling my actual debt. I decided to add it all up, though, and was surprised that it totals a little over 12k.Now, on the one hand, if I knuckle down, I can get that debt paid off in 7 months. That would be a super shitty 7 months, and that assumes absolutely nothing whatever comes up. No birthday or Christmas gifts, no drinks with friends, anything. Going to and from work, eating cheap, not spending any money. If I make any sorts of concessions, it delays that timeline.On the other hand, Im currently renting out at my friends house anyways, so credit score isnt even remotely important for that, and I would essentially also be free and clear of those previous late payments, right? Id probably go a few months without a car, but I car-pool to work anyways, and would just pay cash for a car when I could afford one, even a bucket of boats since I hardly drive anyways.The only major issue I could see is that Id probably struggle finding a place to move. I really want to have my own apartment, but that isnt really feasible with my current debt. At the same time, though, I cant imagine anyplace letting someone rent immediately after a guy declares bankruptcy or would they? I honestly dont know.Im genuinely eager to hear all of you guys opinions. My gut is telling me that I should just keep on as I have been, trying to chip away at my debt wherever I can. But I also desperately hate this feeling of having nothing to show for my time after each paycheck.  <response>: You make 5 times your debt load. Pay it off. If 7 months is gonna suck then do one year, 14 months, whatever. 