 So 88 of it is student loans. My monthly payment sticks and it's not insane. That's about $105 a month by the credit cards is really where I got into trouble. Um, and I had to move unexpectedly. So they just crept up and now I'm in a spot where I can pretty much only pay the minimum on everything. How much do you owe on credit cards? Um, I would say about $32,000.