Assuming a monthly budget of $2200, after the expenses you listed, you should have about $1400 left per month. What other bills do you help out with, who pays for your food? Please list everything in your post if you can. Try to make the other expenses a consistent expense, especially if the other members of your household are understanding.

If you’re able to contribute $1000-$1100 a month to first your PayPal and Capital One debt, then your Discover debt, I think it really is possible for you to be credit card debt free by May 2024.

I’d also see if you can get a set amount of the credit card debt paid the second money hits your bank account. It can be very tempting to spend $20 here and there when you see thousands in your bank account.

I don’t really comment on this sub because I really don’t think I’m the most informed to help people, but there aren’t too many other responses here. Hopefully someone more knowledgeable than me can call me out if I’ve given bad info.