text:  I'd get rid of them, and I would force yourself to live on less than you make with the income you have. And that's going to include these debt payments staying current, but it's going to force probably a different lifestyle to a degree. I know you're not out there all bougie and glamorous and stuff, but it's going to be like, hey, I'm going to be eating in more. All the time. I'm going to be cutting subscriptions, extras. It's going to be putting you on a tight budget, living below your means.