<prompt> Human: This is my first post so let me know if I can improve this posting. Im 30,000 in debt. Credit card 15,000, school loans 15,000. I make 15hr and make the smallest payment possible on both bills and have no money left over at the end of the month.My rent is 620. I drive a 91 car thats paid for. I cook and freeze my food. I buy ALL my cloths at Goodwill. I dont have any financial wisdom and dont know where to start to pay off these loans. At this rate its really depressing me to think Ill never get them paid off and be able to go to school again or just have spending money. Im sure I didnt include all pertinent info so ask away. thank you for any ideas you have.  <response>: Assuming you work a full 40hrs a week, you should be bringing home almost 2,000 a month.Where is it all going? 