<prompt> Human: I am a financial fool and I need some advice on how to get out of this ridiculous credit card debt. Heres my stats:First year working at my new job making about 70k a year. After taxes and my pension is taken out I clear about 3700 a month. Credit Card Debt - 7500 at 20 terrible I knowStudent Loan - 1500 at 6.5 100 a monthCar Payment - 9000 at 6 500 a monthRent - 550 a month TVInternetCell - 140 a monthSavings - 1000Im not sure how to setup a plan to get this stuff under control. Would going to my bank to consolidate the debt be worthwhile? I am open to all suggestions and criticisms ha. Thank you!  <response>: What you listed as expenses come out to 690; including the student loan and car payment this is 1290. Where does your remaining income go? What is the minimum payment on your CC? 