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  1. 28 year old from Quebec here. I have a debt situation which isn't do or die but it has been stressing me out and is slowly growing more and more year after year. As it stands I currently owe: 14k in loans to family, half at 6% APR, the other half at 0% APR 4800$ (5k max) CAD line of credit at 12% APR 3100$ (5k max) CAD cc at 15% APR 4500$ (4500 max) CAD cc at 12% APR 7400$ (7500 max) USD cc at 19.9% APR I currently work part time and am on pace to net 13k a year although I certainly plan on finding higher paying jobs down the line to get myself to the 20k+ yearly net income range. My debt