<prompt> Human: Hi rPF,So Ive been moving around the country a lot the last couple years and switching jobs, with a couple months of unemployment. Somehow, through complete stupidity and failure to stick with a budget, Ive racked up around 20K in credit card debt. Im single, make 80K year, pay around 2K in rent and have monthly studenet loan payments of appx. 400. Whats the best way for me to tackle this debt? Are balance transfer cards a good way to get that debt off the higher interest card Im currently stuck with? Any advice at all is appreciated.Edit: All the debt is on one card. I currently have 18K balance with an APR of 21. Are balance transfer cards a good way to avoid the interest racking up?  <response>: Tighten your budget down as much as you can and start throwing large sums of money at it until it is paid off. 