<prompt> Human: In a previous post, I mentioned that I have an insane and almost un-manageable amount of debt. Ive taken some time to go through and put together a table of my debts and monthly expenses; excluding luxuries such as eating and putting gas in the car :I have a full time job where I make around 85,000year but only see around 4,000month after taxesdeductions. I have full custody of a young child, so please take that into account. My bills add up to round 3,400month.In a previous post, I discussed my debt in less detail. One of the big recommendations was to dump my two vehicles ASAP and then start paying off the credit cards. Ive had my two vehicles posted for sale since then but have not had any luck. I even listed them for 2,000 less than what I owe the bank since I received a decent little bonus from work and I owe above the blue book value.The future with my company isnt clear. There are a lot of changes going on. I could lose my job at any time but Im assuming I have at least 1 year left with them if I can stick it through. I dont know how difficult it will be to get another job but pushing to maintain this wage, in my area or remote like I prefer for my son is not something I want to depend on.I would sell my house if I could but Im stuck until at least August due to my FHA agreement and it needs a lot of money invested before someone would buy it I got screwed by a contractor and spent a lot on lawyer fees fighting with him to no good conclusion.My son is supposed to go see his mother every other weekend but its not reliable. Id like to work a bit more but Im already putting in overtime on my real job and then trying to keep up finishing the house, raisin my son, etc...Hopefully Ive listed out where I am at, what I am already trying to do, and what ideas Ive thought about but dont see a way to make them work right now.Heres my expense table; it excludes expenses that I should account for such as food, gas, etc... --------------- Name Interest Monthly Balance Date --------------- --- Loans --- Truck Loan 4.19 427.92 23,572.42 31 Bike Loan 4.59 331.25 19,744.10 10 Personal Loan 12.99 142.58 2,485.90 26 Mortgage 4.25 1002.95 93,647.94 1 Student Loan 1 5 40 176.95 1 Student Loan 2 6.8 527.35 51,985.75 28 --- Credit Cards --- A 8.25 94 4,672.43 25 B 22.9 71.00 759.40 10 C 26.99 35 655.21 11 D ? 83 185.45 25 E 25.99 35 230.96 15 F 24.24 25 1,408.01 18 G ? 20.90 20.90 20 H 22.24 80.00 2,792.88 22 I 25.99 113.00 2,905.97 26 --- Utilities --- Cell Phone na 65.07 na 14 Gas Bill Average na 100.00 na 25 Electric Bill Average na 100.00 na 3 Internet Work na 65 na 4 --- Other --- Medical na 25 800 25 Auto Insurance na 127 na 16 --------------- Totals: na 3,511 206,044.27 na ---------------tl;dr: I need to spiral my way out of as much debt as possible, as soon as possible. Can you guys help me come up with a plan?Assistant: Those credit card interest rates are very high. I would consider rolling them into a consolidation loan. The 8.25 card isnt so bad but everything else is over 20, you should be able to find a better rate than that.Human: I really appreciate this piece of advise!I spoke with my bank. Theyre giving me a consolidation loan to take care of all but the first credit card at 12.99 interest. The payments will be around 261month and Ill avoid late fees by not having to juggle so many payments each month. The simplicity, alone, will make this portion quite a bit easier to manage.Thank you!  <response>: Kudos to you on jumping on suggestions and acting right away. Too many people post here feeling hopeless and then just sit there overwhelmed. Keep up that momentum, itll really help! 