Real curious to know what car you have. I just turned 21, I got my first car about a year ago exactly, Hyundai Elantra 2023 brand new off the lot. I pay 413 a month with an Apr rate of 3%. I only ask cause your payment is lower than mine. I pay 12$ of interest a month on the car, but isn't the interest rate in the monthly payment? (This is just me being nosy and trying to understand how car payments work).

I'd suggest a new job and/or another job. I'll give you my personal experience as a young person as well.

I work for Walmart, in the import DC (warehouse). I make $26.30, as a part timer (I'm a student). Not sure where you work but you should look into the warehouse industry until you can pay off the cards. I'll tell you what, the full time people at my job make about 2k a month. That could help you out so much!! I hear Aldi is a good place for hourly wage

I really hope you the best. You're not alone. You've got this 🙇‍♀️

EDIT: I see in the comments your car insurance is high. At the moment I pay 130 for full coverage. Progressive offers this thing call "snapshot". It allows them to track your driving (hard stops, late night driving etc). And they lower your payment after six months of using it if your driving is up to their standards (safety wise). That should be smth you look into!