<prompt> Human: A few years back, I regrettably entered into an agreement with my mother to purchase a house under my name and she would cover the payment as her credit was irrevocably trashed. She has faithfully done this for the last 3 years, and i have no doubt she will until her final day. Over these last few years i have allowed her to purchase things on my credit cards to the tune of 9000. She has always faithfully paid everything on time and so i thought nothing of it until now when i find out she is being diagnosed with stage 2-3 liver disease, couple with her multitude of other health problems. This is now my wake up call about my future financial situation as i have accumulated a mountain of debt of my own from student loans and bad vehicle purchases. My credit is perfectly clean, thankfully, i just need to know where i start to getting debt free, because what i see myself doing now is unsustainable and acquiring my mothers debt could cause a shitstorm for me.I am the beneficiary of half 25000 of her life insurance policy and my father the beneficiary of the other half, assuming my father covers funeral expenses out of his portion I will have the following debts approximate amounts:Credit Cards: 12000 still mostly interest free, only one has 14 with a 600 balanceStudent Loans: 45000Auto Loan: 21000 5 years left 7 upside down 10KMotorcycle loan: 11000 6 years left 8 upside down 4kMortgage: 78000 FHA 30 years fixed, last refied in 2015I am hoping to be graduated by the time i acquire her portion of the debt in addition to mine and I expect to make around 40k-50k per year. Where should i start to climb out of this hole? I have approximately 10k in a 401k i have stopped contributing to for the time being for personal financial reasons, it could be tapped if it came down to it. Please no hindsight posts, i realize this was a mistake, but i was young and ignorant.  <response>: Pay CC debt25K -12K CC13KSell motorcycle even if upside down13K-4K9KAfter doing this, try to get a re-fi on the auto loanDont contribute anything towards 401K or other stuff, keep the 9K in your bank so you dont have to rely on CCs when stuff comes up 