I’d go with the higher paying job, stay home as long as you can, totally max out your retirement, and plan for some great weekend trips with your friends.

Don’t get another personal loan, just aggressively pay off your debt, and stop ALL unnecessary spending. A personal loan won’t help your credit score, just lower the length of your credit history which is a negative. Pay off the personal loan, then the credit cards, always pay in full each month, and then start saving like crazy. No shopping, no meals out, and play board games with friends.

Someone mentioned you may need to wait longer to buy your house. You will need a very healthy reserve when you buy a house or you will soon be in more credit card debt than you are now because even newer homes are expensive. Lately, insurance goes up each year, taxes increase each year, only the mortgage part stays the same; and repairs and maintenance are never ending.

Kraft Mac with bread crumbs on top and toasted in the oven. Five extra minutes and sooooo good.