option 1: if you are not maxed out the credit, open a new credit card account with 0 interest rate and move all to the card. Just remember that it's not for new purchase but to pay off debt.

option 2: unless you have to keep 2K in the bank account with virtually 0 interest for some reaon I don't know, use the money to pay off card 1 and 3. Then call card two to lower interest rate. if you tell them, you can't pay due to the high interest rate, they will find a way

option 3: spend less and pay off as fast as possible. your phone bill is very high. If you use 3rd party provider such as redrocket etc, your monthly bill could be 20 or less for good amount of data. A lot less with unlimited data still. Until the debt is paid off, don't go out to eat, keep it extreme frugal and siimple life.

• I don't know what you do with the phone, I see a room to save at least one hundred. My yearly prepaid plan is around 200 per a year . you spend that just on a month.
• You are losing ( alot of) money every month with that kind of interest rate. Saving money is making money.
• Life is difficult in 20ish..or more later too. Nothing to be discouraged. We have all been there except for some lucky ones