All good advice.

To add to this, the mathematically correct (i.e. costs you the least amount of money) method of paying down multiple debts is to throw all disposable income at the highest interest rate debt, so you should figure out which card has the highest APR and pay that down until it's gone, then rinse and repeat with the next highest interest rate debt.

Becoming a dental hygienist via a community college is a great investment if you can put in the time and effort. It looks like the average DH makes something north of 80k, and it's hard to see demand for them decreasing any time soon.