<prompt> Human: Throw-a-way for certain reasons. Sorry!Like the title says and my name implies, Im seriously in trouble. The only reason Im under a roof right now is because my fiance has a full-time job and hes taking care of the important bills rent, water, gas, food, car payments, etc. However, I have my own stuff that I cant pay. Credit cards are months behind. my student loans have already defaulted and some are even now in a collection agency. Im a freelance Graphic Designer and illustrator and Ive been applying to jobs in the area and online with no success. Im not the greatest designer of all time but Im still pretty damn good. People rather hire shitty college kids for little to no compensation its for your portfolio!. Or Im blacklisted. Can people not be hired based on financial debt? I cant go to family. Is there anything I can do? Are there lenders willing to help for consolidating when I have no steady paycheck? Do I have no choice but to declare bankruptcy? Are there people who are willing to advise for free or wait until I can pay?  <response>: Is there anything I can do?I want to echo the sentiment that you need to get a job. You canf really fix any of your other problems without income. Not to be pedantic, but it doesnt sound like you are a freelance graphic designer, it sounds like you want to be a freelance graphic designer. But if youre not getting enough work or any work at all, then theres just no sufficient market for your services right now, so you need to do something else. You can bemoan the fact that people would prefer to hire cheap college labor, but the market is what it is. You can and should continue to try to do some freelance work on the side at night after you come home from your regular job. So really, the income side of the equation is crucially important. Even bankruptcy wont solve the problem of you not having any money. 