She certainly looks surprised ! <| sep |> LOL that you think states rights applies to your fantasy insurrection . <| sep |> I haven ' t read all of the comments , so you may have listed more debts than what was in your original post . If the above is all of your actual debts , the good news is that you ' re only $ 738 behind on payments , so stop stressing . The bad news is you ' re only making about $ 500 a week . Get a 2 nd job delivering pizza is good , and you can knock out the debt in just a couple of weeks . At least one other person has mentioned Dave Ramsey . I can tell you from person experience that his principles are sound . His books should be available at your local library . A good bit of the information covered in Financial Peace University was available on Youtube at one point in time . It is good that you ' re wanting to get ahead of your spending now . I was in a very similar situation when I was about your age , and buried my head in the sand . The next thing I knew , I was $ 10 , 000 in credit card debt . Good luck .