<prompt> Human: 16k of credit card debt across 10 cards and a loan. The loan still has a little over 8k at a 25 interest, the cards are all in the 20s for interest as well. I am not including my car payments or student loan debt.It feels hopeless. I gross 45k yearly if that helps any.  <response>: Yeah, you gotta start spending less than you make, or making more than you spend, and put the rest into the loans.What is your monthly spending like? If you post details, the people here will help you tear it apart. 