<prompt> Human: So, my mother was generous enough to put me as a secondary on her card. My intention was not to screw her over, but it seems like thats what Ive done. I make regular payments, and I pay plenty over the interest rate often between 50 and 200 each payment when the interest rate is only about 20 and I pay right away when I have the money, but at the moment I have a 2200 balance and it is driving me nuts. My mother has been really understanding and hasnt been mad about it, but I feel so guilty. Is there a way I can get at this debt faster? I feel like there must be some way that I havent thought of yet.Right now, my plan of attack is to just stop spending money on non-debt items. No concerts for a while. No restaurants. I went way overboard and its time now to just stop it. I can throw that extra money towards my credit card debt. Ive also considered, instead of paying extra on my student loan payments, setting more aside for the credit card debt. Ive returned all of the purchases that I can. Im planning out my grocery lists for the next couple weeks so that I can spend less on food and really tackle this credit card debt. 2200 is a lot of money.Im just angry at myself because I have bipolar and I should have known not to hook my credit card up to an online account where Id be more likely to spend it on stuff I dont need.Any advice would be appreciated. Thanks.Edit:Monthly income: 1200Rent: 430Phone: 30Transportation: 40Internet: 70Student Loan 1: 120 total loan is 3,900 at 3.8 variableStudent Loan 2: consolidated, 0month for the first year but I pay when I can total loan is 31,400 at 5.875Credit Card: 20 or more per month I usually try to pay 150 or so total amount is 2,200 at 9 APRGroceries: 200  <response>: Never mind student loan 2 for awhile. The credit card is costing you more. It looks like you can put 200 or 250 per month toward your credit card balance. Even with monthly interest charges, if you stop buying things you dont need, you will have the balance zeroed in less than a year. 