Dealing with debt is not simple plus it is capable of being very tense and stressful in your life.  When a brand new job and a new outlook on life should be great, it is all shattered by debt.  Is there a means to manage it?  Have you thought about consolidation?  This may or may not be the correct conclusion.  Don’t do it unless you have to shrink your expenses as it wouldn’t otherwise be the proper choice.  Decreasing your expenses and paying off the debt is a much better decision.

By consolidating, you can typically get a smaller interest rate, which means being charged less in interest, and therefore, lower your regular expenses.  Pass up consolidating if you can because it could potentially harm your credit score which will affect your ability to get a loan for a home, car, etc.