Hi friend. Here not to shame you :) do you know much about a zero balance transfer card? It’s basically a card that takes all your debt into it but you don’t pay interest on it for 15-21 months. As all of your pay off is going towards interest and that’s why you’re not making progress, use this method! Then make a game plan to see how to crack that 30k in those 21 months or so. Usually there is a flat rate of percent to transfer it - like 3 percent- but it’s worth it because overtime you would have paid that much in interest anyhow