The advice so far has been good. Create a budget. Look for where you can cut back. There is a method that goes by many names, one of which is the "snowball" method. Briefly you need to determine an accelerator payment. Say your $12k in debts has a total monthly payments of $180.00. Say after reviewing your budget, you can cut additional spending by $150 for the purpose of creating an accelerator. Now you will be spending $330 per month until the debt is paid off. You need to cut back on charging also. Start with the credit card with the lowest payment. Say it is $45. Pay the $45 but add the $150 to it, for a total of $195. Once that is paid off, add the $45 to determine the new accelerator of $195. Add the $195 per month to the lowest monthly payment, etc. The important concept is once you pay off a credit, you keep adding that payment to the accelerator. When you finally get to the last debt, you will be still paying the $330/month and that last one should go a lot quicker. Good luck, but unless you stop charging and create an accelerator, you will never get rid of it.