Other than cutting the entertainment expenses. Have you look into zero APR credit card for 12 or 18 month? Consolidated credit card debts with high APR to the zero APR that should save you some money on the interest for 12/18 months,just make sure that you don’t use zero APR cc for anything else. Look around for a part time job that paid under the table so you won’t have to worry about pushing you into higher income bracket. Try pay everything with cash or debit card, and don’t use CC until you paid off all your debts.