<prompt> Human: I have always been awful at saving money, and when I realized I could get credit cards to supplement my move and fun stuff while working a basic customer service job and going to college, I got a little caught up in it. I started with one card and was managing it alright for a year with a 1500 limit, but then once I was having more money issues, I opened more cards. Over the past few years, I have opened the following with these current balances- USAA- 1500 limit, currently at 1531.92 Chase- 5000 limit, currently at 5275.18 Capital One- 1000 limit, currently at 1080.26 AMEX- 1000 limit, currently at 1143.16 Amazon Store Card- 1000 limit, currently at 1027.86 PLUS I have about 14,500 in student loans that I have currently deferred until next June to give me time to catch up on other payments. I also have about 1300 in medical bills. I moved home last month to be able to focus on paying off my debt and get out of the rising costs of rentliving in my previous city. However, staying at home is not a long term solution. I am looking for ideas on how I can use the next fivesix months at home to pay off the biggest chunk I can of my debts. I honestly just dont know where to start. I sold my car so I knocked out that loan and insurance bill, but these monthly payments really add up and with moving home and starting a new job, I had a gap in paychecks and now am behind on every single bill. Any advice is appreciated!! I know I definitely screwed up big time, and I am ready to make big changes and quit living above what I can afford. My family is bad about money too and I was not taught much about saving or money management, so I am playing catch up a bit now in my twenties. EDIT: Forgot my income! I was making 1650mo in my old location, 1200mo currently.  <response>: If it was me, I would take your first months pay and pay enough on all 5 of your credit cards to bring them down under their limits. Currently youre over limit on all of them, not sure if there is any penalties for this, but I think you may feel better knowing they arent completely maxd out anymore.Next, of the USAA, Capital One, Amex, and Amazon cards, which ever one has the highest interest rate pay as much of that 1200mo of your income as you can, hopefully that would knock one of those out. Pay the minimums on the rest of them. Most people advocate paying the highest interest rate one 1st, but if its that big Chase card, youre going to be paying it for a while before you get a victory over one of those cards. I think getting rid of the smaller ones first will give you a sense of accomplishment and confidence in paying them off.As you pay off a credit card, focus all the money on the next one to knock it out. Ideally at the end of the 6 months youre only left with the big Chase one, and it is at least down to 4000.Ignore the student loans for now since theyre in deferment anyways.Try to see if you can negotiate lower payments on the medical bills.If you do find a 2nd job, just throw the extra money that much faster at the cards. You may also think about setting aside 500 as a small starter emergency fund. But I think Id only do that if you get that 2nd job, or at least a better paying 1st job. 