I still owe:
—Chase Rewards HRC: $3520
—Chase Platinum: $1050
—Capital One: $2209
—World Points: $2865

...which brings the total down to $9644. (Last time I checked in, my total credit card debt was $10460, so this is a major improvement!) It’s under $10000! YES! Success (albeit, a small success)!

I’m going to put my entire tax refund toward the card with the lowest balance (Chase Platinum) after which it will be mostly paid off. I think (after the payment using the tax refund) I may be able to pay off that card in 2 or 3 months, after which I can use the money I was putting toward that one and roll it onto another card (probably the one with the highest interest rate).

In other related news, my student loans have started requiring payment. I got a bill in the mail for more than $850 and just laughed outright. I don’t make that much in a month (since I work for just over minimum wage at a part-time job), much less have that much to pay my loans, student loans or not. I sent the company handling the loans information related to my taxes and yearly income so they’ll understand that I just don’t make enough to pay that kind of money.

Right now I’m just going to focus on the bills I can pay; I know those school loans aren’t going anywhere. (It’s not like I can file for bankruptcy on student loans, after all.)