First of all welcome!

You can do this! Many if us here have gotten debt free and will be happy to help you along the way.

First you need a real budget. You need to know how much extra you will have for your debt snowball. Your expenses need to include food, gifts, hair care, quarterly and annual payments, copays, and a little fun money. No vacations for a while, sorry! It would also be helpful to know the minimum payment on each account.

1. Do you have any savings? Sell some stuff, get a second job on the weekends and get a $1,000 emergency fund established.

2. Cut up credit cards. You won’t need them now that you have an emergency fund.

3. Pay minumums on all debt and throw any extra to Synchrony card until it is paid off! Then TJM, Amazon, etc. Work your through the debts lowest balance to highest. Always pay the minimum on all.

Hope this helps. Good luck and let us know how it is going!