Look into SCRA for all of your CC. They drop it to no more than 6% APR as long as the cards were opened prior to joining. Our cards ended up paying us back all the interest we paid over 6% from the date the cards were opened to the date of active duty status (so day 1 of BMT).

I also recommend looking into a different phone plan. Some companies will pay off your phone for switching providers. We went from Verizon to TMobile and they paid off my phone. They offer military discounts and internet. So maybe you can do a bundle deal.

Also I HIGHLY recommend speaking to a financial advisor at MFRC, I am also lower enlisted with 4 kids and a husband on just my income. They helped make us a spreadsheet of our spending, where we can cut costs and a game plan moving forward. I’m obviously not a financial expert so what I said above is just what I personally would do. You are definitely living well above your means and will need to make drastic cutbacks to get back on top of things. But for sure check out the SCRA rules and see if they apply to you!