<prompt> Human: Ok, so as I said, Im 31, divorced, have a 4 year old son. I was an idiot when I was young and racked up a lot in student loans, and never finished school. I joined the navy, got a good sign on bonus, paid some down. Got married, had child, got out of the navy, got a job. Then the divorce, all of my expenses were contingent on 2 incomes, now its just mine and I am paying out more than I make.Heres my breakdown: roughly 60K in Student loans, combination of Federal, private, and a parent plus in my fathers name. I pay about 650month Rent - 850month Car - 210Month Insurance - 150Month Credit Cards - 2 with a combined balance of around 3000, 200month Daycare - 200month Electricity - 100month Phone - 50month GasGroceries - estimating about 300month I dont eat out anymore, dont really do much trying to save any penny I can I take home around 2,400month nowI know I need to start making serious changes, I just got my credit report, its not good, in the mid 500s. This is the first time Ive actually addressed a lot of this, being that I have huge anxiety and just sort of shut down about it for a long time. I have no clue where to begin. Im looking for better paying jobs, but for my area with my background most offers are for less than I currently make. There is no raise in sight here though. I lurk this sub frequently, and most solutions I see suggested seem so out of my reach and daunting that I just freak out and run away I know, not healthy, Im dumb but I am starting to make this my priority NOW. My son deserves better, so do I.Thanks for any feedback.Edit: Thank you everyone for the advice. I feel a lot less desperate after reading all of your advice. I actually just spoke with the admissions office for an online program in my field. I can Start September 1st, I can receive around 700month in living expenses from the GI Bill. Its a start, it gets me money now, while bettering my earning potential, plus once I have the degree and payed down some debt I will be eligible for loan refinancing. Im not after my ex for money because we agreed on joint custody and to not make the divorce messy, we both provide for our son, my main problem was just that we had a 2 income house that is now 1, shes not a deadbeat.Again, thank you everyone, I love this community.Assistant: What do you do for a living? You need to create a plan to increase your earnings. That could be as easy as moving or a 5 year plan where you acquire new skills at night but that is something you need to figure out. That may also mean moving if you cant find something local or even just getting a 2nd job. Other than that, can you sell the car and clear any money from it? If you could do that and use the money to pay down the credit card debt, that is a good place to start. You could also try to get your student loans on an income based repayment plan which should free up some cash each month which you could use to pay off the credit cards. Whatever you do, pay the credit cards first and stop using them unless you can pay the balance in full. Can you think of any ways to lower your rent electricity phone groceries gas daycare insurance costs? It is worth a shot to shop around for better quotes for these things.Human: Im an RF test tech. Basically do quality control for a company that makes microwave communications equipment. In the navy I was a Nuclear trained Electronics Technician. The car is necessary where I live, I could try to find one cheaper, that a good idea. ThanksAssistant: after reading so many of these i love how people say you need to increase your earnings, like it is just that easy. Human: It can be if you swallow your pride. Deliver pizzas, detail cars at a car wash, Uber, serve at a restaurant nights and or weekends, etc.These jobs are pretty much always hiring, require little to no experience what so ever, but this work is beneath too many people. Assistant: Not really beneath me, just really hard to land one when I have only a few hours free weekly that isnt caring for my son or already working. Uber is a good idea though.  <response>: Just beware that your car insurance will go up significantly if you drive for uber. If you only drive for a few hours, it might not be worth it. 