How should I handle my finances to become financially free?

How should I handle my finances to become financially free? 24/F I currently have a Chase Student credit card with close to $4000 in debt, which is overdraft and just keeps getting interest charges; I have close to $12,000 worth of student loans. I also have $8,000 with a collections company from a lease 4 years ago during college, but I could not move in due to COVID-19 shutting down my school. However,...

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