<prompt> Human: Help! While in college my dad got me a credit card with both of our names on it. Because of his good credit, several doors were opened for me in the world of credit. I stupidly got an Amex, 2 Chase cards, and 2 Capital One cards all in my own name. Long story short, things went to shit and I was unable to pay for any of them. I just paid of my Amex they were the most persistent in calling me and have approximately 10k over the other 4 cards. What should I do? Id prefer to pay for all of this without a debt relief program but dont know if its wise. Im living rent free and make about 2000month after taxes so I can dedicate about 34 of my income to this I still have some minor expenses. Any suggestionstips? Or do I just face the music and focus on my paying those cards. My credit is pretty messed up so I dont have the option of transferring my balance to 0 APR intro card.  <response>: You buckle down for a boring six months and pay off your debt. Theres no magic to it, you owe the money, so you reduce expenses as much as possible and pay it back. 