Need help with the validity of my stepdad’s financial advice, first time being in the hole and very clueless

Need help with the validity of my stepdad’s financial advice, first time being in the hole and very clueless hey there, so I’m a young diot who doesn’t know a ton about this stuff so bear with me. I fell trap to one of those buy-now-pay-later companies and now am around 1600 in the hole spread across 5 different loans for 5 different items. I know 1600 is not a lot, but I am a full time college student who makes 400 dollars a month… and owes 1k on her ...

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