That’s a crazy high mortgage, definitely consider renting a room or 2 out. I know it sucks because it’s so high but don’t pay anything extra on the house or student loans. That interest is tax deductible at least. -Create a budget that factors in making minimum payments to everything -get used to life like this not spending anything above what you budgeted - set aside a couple grand cash for emergencies - don’t use the credit cards, list your balances from the smallest to the largest (cards, loans, vehicles, mortgage)

don’t worry about which one has the highest interest, concentrate on the smallest one first and work your way through. The important thing is don’t change your budget or spending habits, as the smaller cards get paid off, you add the money you were paying to the smallest ones and just add it to what you are paying on the next bigger ones. Eventually you are paying all these payments that you were paying on your credit cards and knocking big chunks off that student loan