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Jun 4 2026 10:13am
Hello, I have 3 credit cards totalling $30K in debt right now and my interest is killing me. Feels like every payment I make, it ends up staying the same balance cause of interest…

My monthly income is only $3k and 1k in bills

How do I get out of this debt hole I been in for 5 years??
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Jun 4 2026 10:32am
First
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Jun 4 2026 10:48am
call jg wentworth
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Jun 4 2026 10:55am
You have to change your lifestyle. I know this is difficult, but I have seen people do it with success.

One such example I know of is this deaf woman who moved into a RV and now lives on a piece of land her mother owns, in the Midwest. She is 100% debt free now and lives in a very beautiful country. The downside is living in the RV, very limited space, a different lifestyle than living in a big city. But at least no rent, only annual payment on property tax. She is living off partly on SSDI and partly off her business on Instagram. That's it. It's a low stress lifestyle but it can be too boring or isolating for some people. Her health has also improved vastly because now she can afford healthier foods, and since she has more free time, she cooks more and makes a lot more food from scratch. She's in great shape mentally and physically.

Another thing you can do is look for food banks, and keep an eye (or ear) out for clothes donations, so you don't need to buy new clothes. Once you are debt free, look into some investments to build up some passive income. This part is really important. Control your spending habits and learn the difference between "need" and "want".

Good luck!
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Jun 4 2026 11:03am
https://forums.d2jsp.org/forum.php?f=383 is probably the accurate place to post.

Preface: idk what I'm talking about, don't take my advice.

In general, pay off highest interest first, by throwing extra at the principal when possible. However i assume there is little to no extra in your income, even if you take a hard look at minimizing expenses while in debt. Some of this is basic finance literacy, but surely some people need a reminder to really think of sacrifices for the sake of saving - if you're making vehicle payments or can downgrade transport costs, eating out, subscriptions, have any options to reduce or share housing costs, etc.
30k is probably not worth the long term impact of bankruptcy.
Assuming you have no savings? CC companies can sometimes negociate lump sum payments at a loss of it avoids collections and defaulting payments.
It could be worth talking with a local bank or credit union about consolidation, if they are able to offer you better rates than the CCs, and consult with more than 1 if possible. In the past it was not uncommon for consolidation loans to offer better interest rates than CCs, which are often among the highest rates of any legal (non shark) loans. If that's available and at what rate depends on your credit score.
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Jun 4 2026 11:17am
call jg wentworth


877 cash now
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Jun 4 2026 11:59am
Minimalism pretty good
-12% less then the poverty line, income
No coin stress
1 year income as savings
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Jun 4 2026 12:34pm
'Cause I have thirty thousand dollars in credit card debt
When they call, I tell them I can't pay it back yet (Credit card debt)
Tomorrow, I may buy myself a dining room set
Or this Boba Fett
Credit card debt, credit card debt
Credit card debt
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Jun 4 2026 01:29pm
How do I get out of this debt hole I been in for 5 years??


Could have filed bankruptcy 5 years ago and only had 2 more years to start your poor decisions all over again.

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Jun 4 2026 01:43pm
You may have tried this already, but have you considered debt consolidation?
Try exploring different debt consolidators to see what is the best payment plan there is where you can still live while paying off your debts.

Quote
"Debt consolidation in the United States involves rolling multiple high-interest debts (like credit cards and personal loans) into a single monthly payment, ideally with a lower interest rate to save money and simplify finances."


This post was edited by UAPtictac on Jun 4 2026 01:43pm
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