<prompt> Human: So I did something very stupid about 4 years ago. My ex had left me and my son and was not paying child support due to the fact that he quit working after we broke up.I was 21 years old with an apartment and a child on one income. It was a hard hit going from 2 incomes to 1. I felt like my only option was to pay my bills by taking out a credit card. And of course I got in over my head. As of today I have a balance of 4,203 paying 23.24 APR minimum payment are 126 but i always pay 160 or more depending on what i have. I have not missed a payment and i also have not made a purchase on the card since about 2014.. But paying around 84 in fees a month is KILLING ME! I feel like i getting no where! Im trying very hard to get my finances together this year! My main goal is not not be living paycheck to paycheck in the near future! Any advise will help! THANK YOU!  <response>: Hey, this is unfortunate, but Im sure you can dig yourself out. A couple questions: Is there any chance you could get a small line of credit? Do you maybe have some stuff you could sell through the local classifieds? The thing is, as you know, credit card debt is truly a hole and the more you pay off, the easier it will be to actually make a solid dent. At 23.24, if you sell something via classifieds for say.. 200, youre effectively being paid 250 for it at the end of the year. In otherwords, anything you sell is actually worth 23.24 more than you are actually paid. So even if you dont have much, it would be worth your while to explore this option. 