<prompt> Human: Hey guys, Im a huge dilemma. During college I made horrible horrible financial decisions and ended up with a nice fat pile of 22 interest credit card debt from various banksChase, Amex, Citi. Ive finished college early, have only 1.5k in student loans thank you scholarships grants, and have my first full time job as an user experience designer making 65k annually pre-tax.While in school I worked part time jobs and was able to make minimum payments so all of the accounts are current, but I really need to get this dealt with.I realize that at its core, this is a spending habit issue that can wreck my future, so Ive cleaned up my act, moved in with my dad until I can clean this mess up, and set up the following budget for the following expenses:320 Car lease ends in April250 Gas500 Food Groceries barely ever going to eat outIve talked to my parents about options and weve come to the ideas of: filing bankruptcy, letting the accounts go to collections and negotiate with the collection agency at a lower settlement, or just paying off the card month by month and deal with the interest. Im honestly just not sure what to do at this point and any helpful advicelife lessons what so ever would be appreciated. EDIT: thanks everyone! Ill be cutting down my food expenses to 250 a month. Gas, unfortunately is going to stay that high because my commute is literally from Orange - Venice. Ill be making 2k in payments every month and will pay it off with the snowball methodhopefully by next Christmas Ill be debt free!!  <response>: filing bankruptcy on only 20k debt when you have about 4k per month rolling in? dont be silly.You have a 65k job now. Pay off the debt. Your bills are minuscule, so make about 2-3k a month in CC payments and youll be done paying it off in no-time.Even your credit score will shoot back up.Dont overthink this. 