<prompt> Human: Im 28 next week and my financial situation pretty shitty. Im sitting about 14,000 in debt about 11,000 of that being medical. Ive looked into consolidation but thats pretty clear not the way to go. So I am looking at the possibility of chapter 7 bankruptcy. I qualify here in MI for sure. My income last year was around 16,000, although Im looking at hopefully more than that this year. I know i got myself here and dont want to just shirk off my responsibility but Its to the point where I just feel stuck. What should I do?  <response>: Life will be really boring while you try to hammer out this debt but you will adjust. Just try to save everyplace you can; no smart phonedata plan, cut cable tv, clip coupons, ride bicycle when possible to save gas, generic groceries, no credit cards, find a buddy to live with. Sell anything you can live without. See if you can wait tables a night or 2 a week, servers make tip. You can do this!!! 