After being in school without a lot of financial support from my family, I had to work a lot and take on student loans and use a credit care, and I also have a car loan. I don't foresee getting a good paying job anything soon, and will probably be at a job paying around $10/hr for a while. I do plan on working at much as possible, even getting two jobs if I can find two that'll sync up. But also, I'm planning on moving. I would like to figure out the best way to deal with all of these things and not screw myself over even more and bury myself too deep into debt. My student loans come to around $44,000. (My loan provider does take your income in to consideration with payments) My car loan has $1,450 remaining with a 5.6% APR and I pay $210/mo. My credit cards (because I had to have some medical stuff done too) are at around $2,500 all together. Also, with health insurances, the cheapest is about $158/mo for catastrophic, but I'd prefer silver plans since they seem to be the best "deal" which run to be around $200 give or take a month. I'll definitely willing to settle if need be. My rent (I'm between two places, depending on roommates and which place we can get) would either be $335/mo or $483/mo. Not including the utilities. Someone mentioned to me about getting a loan from a place that specialists in loans to "pay off" my car loan and credit cards because they have lower APR's but I don't know very much on the matter. Thank you!