<prompt> Human: Hello PF - I am at a point where I feel like I am never going to get out of my financial hole. Last year I got hired to a much better paying job then I had before. I make about 1,040.00month and have an acquired 9,000 in CC debt - 10,000 auto loan - 7,000 student loanswhich comes out to about 310 total for car loan insurance - 520 for CC and med bills. I dont know what to do and have been trying hard to get everything paid off. I am trying to make triple payments on my CC closest to being paid off probably have about 45 more months of that then will do the same on the next and so on. I just feel like I am being buried and I will do ANYTHING to never feel this way again. I am a happy person, I quit smoking years ago, went from drinking every night to a few times a month at most, and Ive lost 70 lbs. I am at a place where I should be not be feeling like there is nothing I can do. I have decent credit I live with my mom - no rent and want to turn my financial life around as well now. PLEASE help me, what is a plan I can enact upon and stick with to get out of this situation. I planned on taking my tax return and trying to slash the next CC down and get that one paid off asap. I was trying to save 15 income into savings, but that didnt work very well. Any advice could be greatly appreciated here, I am financially retarded, honestly.If you would like betterexact numbers I can give them up later too.thank you guysEdit 1: 1480month income after taxes take home - see how good I am with this stuff???Edit 2: Seriously, SO bad with numbers... 24,500year; roughly 2,080month gross. I have made a mint.com acct and am working on adding my 401k and main banking account to it it says it keeps getting timed out for some reason so I will see if it works at homeThank you all again for your suggestions  <response>: The thing is even if you use your entire monthly income for your debt, itll take you years and years to pay it off.I know this sounds naive, but can you get a better paying job or take on a part-time job on top of your current one? Have you tried financial hardship for your student loans?Transfer your credit card balance to 0 interest credit card and keep paying it off aggressively. Your card loan is too much. Its almost 85 of your income. Your total monthly debt shouldnt exceed 40 of your net income. Can you downgrade?Edit: its difficult, daunting, and almost frightening when you look at the bigger picture. However, focus on detailed, realistic goals. As you meet each one, the worry will go with it, little by little. 