Without a lot more info, there’s not much we can help you with. I’d reach out to the National Foundation for Credit Counseling www.nfcc.org and talk to a professional that can help you with your budgeting and putting a plan together to address this. 20K sounds like a lot but it’s not the end of the world. If you dial back your expenses (and are making good money), you can get this paid off in full in a few years.