<prompt> Human: Throwaway because Im pretty ashamed, Ive spent a lot of time on here and can certainly say my situation isnt as bad as some but I feel like Im drowning in my debt. Basically I work two jobs already one part time overnight and another full time during the day I dont make much on a good month I take home about 2k and my debt is: 13k credit 18k auto and a student loan for 750. Im already two months behind on all the credit cards I had to stop paying to stay on top of my rent and car paymentinsurance. My mother is filling her own on a lot more debt than I have and has mentioned that I should consider it. From reading on here Ive noticed that the amount of debt I have isnt considering that high and the usual advice is to get a second job and buckle down on it. But at this point I already have two jobs and I still cant keep up so what do you guys think? Edit: I tried to reply to as many people as I could but there was a lot, however I assure you that Ive read all of your posts. Thank you everyone for your tips and advice I was not expecting this to blow up like it did.  <response>: Everyone else has talked about getting rid of the car and buckling down on expenses.But you also need to be work the other end of the lever on getting better jobs. If you are working a full time and a part time job and pulling down 24k you need to be looking into ways to get promoted or into a different jobcareer that will pay better. 