Based on the information you've provided, I recommend the following debt management plan to help you pay off your debts within the next 3 years while also maintaining a minimum monthly budget of $2,000 for essential expenses: Start by creating a detailed budget to track your income and expenses. This will help you identify areas where you can cut back on spending and free up more money for debt repayment. Make sure to include all essential expenses such as housing, utilities, transportation, and food, as well as any discretionary spending. Prioritize your debts based on interest rates and payment due dates. In general, you should aim to pay off debts with the highest interest rates first, while still making at least the minimum payments on all other debts. However, if you have debts with high interest rates and small balances, you may want to consider paying them off first to gain momentum and motivation. Consider debt consolidation or balance transfer as a way to lower your interest rates and simplify your debt repayment process. Look for balance transfer credit cards or personal loans with lower interest rates and fees than your current debts, and make sure to read the fine print carefully to avoid any hidden fees or charges. Use the debt snowball method to pay off your debts systematically and quickly. This method involves making extra payments towards your smallest debt first, while still making at least the minimum payments on all other debts. Once the smallest debt is paid off, you can move on to the next smallest debt and so on, until all debts are paid off. Finally, consider increasing your income through side hustles or part-time work to free up more money for debt repayment. Look for opportunities to monetize your skills and talents, such as freelance writing or graphic design, or consider selling items you no longer need or use. Based on the debts you've listed, I recommend the following debt repayment order: Personal loan debt ($5,000) with an interest rate of 7.5% and monthly payment of $156 Credit card debt ($3,500) with an interest rate of 16% and monthly payment of $104 Student loan debt ($10,000) with an interest rate of 4.5% and monthly payment of $299 Assuming a monthly budget of $2,000, you should be able to allocate the following amounts towards debt repayment each month: $250 towards personal loan debt ($156 minimum payment + $94 extra payment) $250 towards credit card debt ($104 minimum payment + $146 extra payment) $500 towards student loan debt ($299 minimum payment + $201 extra payment) With this repayment plan, you should be able to pay off all of your debts within the next 3 years, assuming you stick to your budget and make extra payments whenever possible. Additionally, you should consider any windfalls, such as tax refunds, bonuses, or monetary gifts, to further accelerate your debt repayment. Finally, I recommend reviewing your progress on a regular basis and adjusting your repayment plan as needed to ensure you stay on track towards achieving your debt management goals.