It's definitely possible; things can change very quickly even without taking big risks. Be persistent at doing the small things that increase your variance, which only cost is time.

And even if things change more slowly for you, you are living with your parents, so you should be able to put a significant amount of your check towards your debt. I'm bullish, good luck!

That said, 72% APR is insane, what on earth :O I'm uneducated, so apologies if this advice isn't relevant/you've already tried, but worth spending 20 mins making a call to try and negotiate a debt restructuring program of some sort.

Agreed, if that 72% APR credit card is actively stacking interest and isn't in a 0% APR grace/promo period, that's back breaking.

If you want to buy yourself some time, I think you can transfer that onto a credit card like the Chase Slate Edge and take on an immediate 3% balance transfer fee. At time of comment, it grants yourself 18 months of 0% APR interest assuming you pay it off before those 18 months end. Otherwise, any unpaid balance can immediately be charged interest as if there was no 0% APR period. It creates a virtual "freeze" on interest. This strategy gives you time to pay it and performs some interest arbitrage if you're confident you can pay it back in 18 months.

I am not confident the Chase Slate Edge is available in Mexico, but it might be worth looking around to see if a similar credit card targeted at credit recovery or debt restructuring is available in your region.

Also, like David said, calling the lender to negotiate a lower interest rate is a free option. There are scripts that you can find out there on the internet that can guide you through the customer service call.

Buena suerte!

How much money do you make, if you don't mind?

@MaxE at the moment, nothing. Living with my parents. I am actively seeking for a job. The minimum wage here in Mexico is about $6,200 MXN. I will add this to the description too.