<human>: For the first time in my life it seems that my debt is outweighing my money. First I'm going to give a breakdown of my accounts.
Assets:

* Cash/Checking: 57
* Savings: $1995
* Stocks: 81 shares of best buy. = ~$2646 at today's closing price.

Net assets is: 4698

Liabilities/Accounts Payable:

* Card 1 – paying about 30 in interest a month. $4484 (CL is $15,000)
* Card 2 - Paid off in full every month.  - $151 
* Rent due:  $210

Net payable: $4845

Difference is: -$147

I'm a college student with almost enough income to cover all of my monthly expenses. I moved into my own place this year (instead of dorms) in an effort to save money but the cost of furnishing it was nothing near what I expected.  For the majority of my life I would always pay off my accounts in full. However, I had a large drop in my income but my spending habits never changed.

 I have since corrected that situation by only using cash/debit, I never use any credit card anymore. I have also lowered my consumption of wasteful items. 

Basically I want to know what I should do.  I definitely feel safer with the extra cash on hand, and I'm easily able to make the required monthly payments on my cards. I make around $500 a month, 210 is rent,  ~160 on utilities and around 150 left over. This covers food and my card payments. I have no other expenses.

I can:

* Pay everything off, leaving me with pretty much no debt, but no cash either.
* Just wait till the BBY stock rebounds, sell that and pay off my card. @42 a share, that's $3400
* Change nothing, make minimum payments and stop using the credit cards.

Can you succinctly summarize the text in 1-3 sentences?
<bot>: – I have enough money to pay off all my debt, but feel I may have other options. See 1,2,3.