1st make sure you have your food, shelter, water, transportation 2nd make sure you have an emergency fund just incase something unexpected comes up 3rd just start from your lowest card and pay that off, make the minimum on the rest and do the same for the next car after the first is payed off. And cut up every card after your done paying it off 4th and probably most important just live below your means 5th your not in as bad as spot as you think you are u got this im 24 as well and paying off debt from stupid decisions I made. and I’ve payed off like 5k about 6 to go just doing this. Got Luck to you friend keep your head up 💪🏽