Need help with making a decision about debt consolidation

Debt

Hi there, i am writing this from my phone so i apologize if there is weird formatting. I have some debts that I am having a lot of trouble keeping up with every month. To give you guys some basic numbers: Income per month after taxes and contributions: 3k Rent is 950 (this is the portion I’m responsible for) My half of the monthly bills (not including gas or groceries) is close to $400 Credit card 1: 12k 16%apr $300 min a month Cc2: 6500 25% apr $250 min a month Cc3: 2k 30% apr $100 min a month Furniture loan? About 600, 0% Apr, $67 min a month Previous personal loan: 3K, 8% apr, $200 a month Car loan: 4600, 5.5% apr, $450 a month.

I will note that the money used to pay for the car loan and personal loan is not included in my monthly income above because I have that cash routed from My paycheck. I live in a HCOL area so the budgeting is already kind of tight. I’m looking for advice on which accounts I should pay more attention to, and possibly get a debt consolidation loan to drive down the monthly interest. As of now I feel like I’m using a plastic hammer taking swings at a boulder. If you guys have any suggestions or strategies on how to get a handle on this, please I’m all ears.

Posted Sep 28, 2025, 1:36 PM UTC

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