<prompt> Human: Ill try to be thorough about my situation, so I can get some advice from you gurus. Ive spent the last nearly decade of my life buried in medical education, and Im a complete moron when it comes to my personal finances.Im in my mid thirties and about to start final year of residency, my salary is 49Kyear. My salary will probably double after residency.400K med school debt in Navient Dept of Education loans.5K credit card debt, APR of 27, been carrying near 99 of the credit line for a good long while now. My monthly payment mostly covers the monthly fees and hardly touches principal. :Second credit card carries 200 balance, less than 30 of credit lineI rent. My current car has been paid off for a long time...it doesnt have much life left in it though.I have some assets in the form of stocks and bonds. I dont keep a close eye on these but probably around 30K total. I have been intending to leave these untouched until I am in a place to use it as downpayment on a house.I just attempted to open a debt consolidation loan with my credit union and pay off that 5K 27 credit card with it. They did a hard credit pull. My FICO was 648 : My credit union did not offer me a very good rate on the loan. I dont remember what they quoted but it was high and I decided to look at other options.I pulled my credit report to see whats in there. During medical school I was 30 days delinquent on a credit card payment in 2013 I think I just absentmindedly forgot to pay one month. And one year ago, in 2016, I found out I had a 28 remaining balance on a utility bill that went to collections. I wasnt aware of it and as soon as I found out I paid the collections company. I am sending a good will adjustment request to my credit card company. I dont think theres anything I can do about that collections account I paid.Im not sure what my best options are at this point. I think my options are:Go ahead and take out a debt reconsolidation loan for 5K to pay off that 27 credit card, or liquidate 5K of stocks to pay off that card?I am going to need a car loan soon. I am looking at getting a reliable used 4WD vehicle I do work in very rural rotations sometimes and probably would want to spend 10-15K. I think currently seeking a debt consolidation loan complicates this.I will likely be wanting to buy a house in the next couple of years.I also dont understand where were at with loan forgiveness programs or if that will even be an option for me in the future. If anybody can explain what I need to do to try to get my medical debt forgivenreducedrefinanced, Id be grateful. I think I have to work 10 years in a FQHC, but Im not sure if Im supposed to be filing paperwork for this now Im told my residency counts as a FQHC.Thanks for any advice you have for me. I got into this situation through some naivete and poor spending choices. I know Ive got to unload that credit card debt somehow.I also dont understand where were at with loan forgiveness programs or if that will even be an option for me in the future. If anybody can explain what I need to do to try to get my medical debt forgivenreducedrefinanced, Id be grateful. I think I have to work 10 years in a FQHC, but Im not sure if Im supposed to be filing paperwork for this now Im told my residency counts as a FQHC.Thanks for any advice you have for me. I got into this situation through some naivete and poor spending choices. I know Ive got to unload that credit card debt somehow.EDIT:Okay, I just sold off 5K of stock to kill that credit card debt--Ive been stubbornly trying to avoid that I know, stupidly...but it was kinda to honor the wishes of my Grandmother who left me that money with the understanding I use it to buy a home. But I have to do this now to ever be able to invest in a house in the future. And yes, more than likely my salary will actually triple or possibly quadruple after residency.In addition, Ill start learning how to budget and Ill invest in a Roth IRA now. I do plan on working in a rural location and banking on grandfathered loan forgiveness in order to ever be able to retire out of debt.  <response>: Whatever stocks you are holding are unlikely to be making 27.Pay off your debts. Dont worry about saving for a downpayment on a house, because you wont be getting one anytime soon with 400k worth or debt on a 100k salary. 