<prompt> Human: Okay, I am finishing up my sophomore year at my university studying Computer Science. I am financially independent from my parents and have been paying for everything since leaving home two years ago. I have completely run out of money and cannot get any more money from federal loan providers and do not have well enough credit to apply for private loans. I ran out of money because I paid for a trip to Europe my choir is taking using the money I was supposed to use to live on.On another note, I start an internship June 1st working 40 hours a week making 13 an hour doing software engineering. That will continue part time once school resumes and I wont be strapped for cash after that.I am trying to figure out what my options are. Here is a little breakdown of my situation:Owed: Federal Loan amount - 18k Discover Card - 450 Used for gas for cashback Chase Card - 30 Used for amazon purchases for cashback Barclay - 1000 Bought macbook for school when my other laptop died, planned on paying off this summer Auto Loan - 7000 Have: 400 in cash A desktop computer worth 600 I dont use since purching my macbookExpenses: 50 month - Cell on tmobile 115 month - Full coverage Auto Insurance 235 month - car payment 315 month - Rent 100 month - UtilitiesIncome: 8.75 hour, 20 hours week - 250 every two weeks 50 week, extra help from dadWhat should I do? Approach my mom for a Direct Plus Loan from the Government? Sell my desktop to have enough to spend until my new job starts in June? I am unsure. Have I been spending too much at college? I have not been worried about my expenses and debt because I have good prospects with a computer science degree for a job and am frugal by nature. I dont buy a lot of things period which should be somewhat evident by only having borrowed 18k in two years of University Which has paid for me to live entirely, rent, food, bills, etc. I have also worked jobs at school. This current internship is wanting to keep me on for the last two years of school and I assume offer me a position before graduating so I have not been too concerned about debt knowing Ill be able to pay it off when I graduate.Help!Assistant: SELL YOUR CAR! Thats 350mo back, and buy a bike.Human: I am about 1000 upside down on it. Would you suggest selling it given that?I do have a bike! A nice one too that is more than capable of taking me to campus.  <response>: Youll earn your 1k back in 3 months and then youll keep your 350 per month forever. Id unload your car. 