<prompt> Human: So, WWPFD? Besides get a better job or a time machine...Here are the debts First four are student loans, 1 federal 2-4 private - 5 and 6 are credit cards. I make 15 an hour FT, and have no state tax. I have nothing in savings and that concerns me. However, earning 1 interest in savings doesnt do me as much good as reducing a CC with 20 interest. But a credit card doesnt help in certain emergencies. I have no car note, and my other bills total at 560 monthly.You guys are great, I look forward to any advice!  <response>: Yeah, get rid of those high interest debts first. The dollar amount is small, but the current minimum payments are going to make it take something like six years to pay off with an appropriate mountain of debt. Like Ethan said, use the snowball method. Just tackle your highest interest rates first, then apply those amounts to other debts as those go away. Also, see if there is anything you can trim out of your other expenses. Even a few extra bucks a month on these debts will add up. 