The start of the change

Agree that having a holiday fund is a luxury while you need to clear this level of debt. Many people have trodden the same path as you. Consolidation loans rarely help a debt situation as the old behaviour generally continues. I don't say this in judgement. We consolidated 3 times before we decided to change & continued to run up cards/overdrafts. You have a choice now. You can cut the expenses previous posts suggest & throw everything at your debts or you can panic a bit, feel stressed but not really turn it into any practical strategy. As your debts start to reduce, you will feel more motivated. You have obviously spent a lot of money....if you have anything to show for this that can be sold, do get it on ebay, every little bit of extra money made is another potential debt payment. For this to be successful, you need to make yourself a budget every month when you get paid & stick to it like glue. Every £1 saved on the most boring everyday things will add up. As you are able to live rent-free at your parents', make the most of this by committing to living a couple of very frugal years. It'll be worth it to clear this lot & start again. Remember that if you don't turn your plans into a budget, though, you are likely to slip, as without that, money has a nasty habit of leaking away. Good luck with it all.