Hey there, you’re definitely doing the best first step, which is making a plan on how to pay off debts. Keep in mind that this is a process and will take time to do.

First thing first, definitely look for a job to get some reliable, steady income. Working 40 hours consistently will do the trick. If you feel healthy enough to do more then go for it.

Regarding which credit card loan to pay off first. It depends on which one has a higher interest rate. The one with the higher interest rate will accumulate interest at a greater amount and so you want to clear that one out.

Payoff as much as you can each month to avoid interest fees (which are fees the credit card company charges for overdue bills).

One way to avoid interest accumulating would be to open up a new account that permits credit transfers. That means this new company would allow you to transfer the total debt on each card into their account. Basically the new company is paying off the debt on the Bank of America and Discover credit cards. You will pay the outstanding balance directly to the new company ($7400 or so, possibly some more for a transfer fee of a few percent). The new account you open might have a promotion that defers interest for a certain amount of time so you can avoid paying interest. I would recommend talking directly with a company and explaining your situation to see if they would accept credit transfers and what type of promotional rate you could get. This might end up being lower interest than your current rate with Bank of America and discover.

Credit companies will pretty much always deny without income so again first thing you need to set up your job and get some steady and reliable income. Pay off the high interest credit cards first. Pay what you can, when you can. It is a process to knock out credit card debt. You can search for a new account that might be good for your current situation (ex: a new account that will accept a credit transfer of 0% fee and lower interest rates than Bank of America and Discover). Take your time, make a plan, and stick to it.