You really should not move out until your debt has been taken care of – forty thousand dollars in debt is not something you need to be dealing with on top of paying for rent and utilities, which I assume you are not directly paying for now.
Debt, and solving it, is really easy. You need to put every damn penny you earn towards it, and not spend one penny on anything for yourself. Spending pennies on yourself is HOW you got to be in this situation, so it sure as stars won’t get you out of it. Get another job and put 100% of the earnings towards your debt. Stop going out with your buddies to drink all night at the bar, drink at someone’s home instead, or better yet don’t drink as much and do some low/no cost activity such as playing video games you already have.
40,000 is a lot of debt. You should probably talk to a debt counselor to see what information they can provide in optimizing your debt reduction strategy. Both Marina and btko have good approaches and neither is 100% right or wrong. The piece of information that is missing from determining which answer would suit you best is how much money you are making a year. If you are making minimum wage and pulling in less than 15 thousand a year, Marina’s strategy may leave you with thousands of additional spent dollars in interest that may have been avoided had you tackled the highest interest rate card first. Again, debt consolidators (some are scams, some are not) can help you negotiate lower interest rates or strategize to move your higher interest balances to lower interest cards.
The fastest, best way to get out of debt is to put your nose to the grindstone and earn $40,000 as fast as you possibly can. This means making more money and spending less of what you make, and pouring every single cent into the debt. The stricter you are with yourself, the faster you will get out of debt. It’s as simple as that. The next time you see a new pair of shoes, or a tasty burger, remember that you are Atlas with $40,000 of debt on your back, and buying that item would only add to your weight instead of alleviating it.