<prompt> Human: So like the title says, Im in over my head and about to give up. Ive got 60K in credit card debt, 18K in student loans, and now owe the goverment 2K. The debt is due to bad decisions and divorce. Im not sure how to deal with it all.Income after taxes: 2650 a monthMonthly expenses:Rentutilities: 350, varies by 10-20 a monthStudent loan on extended payment plan: 220Debt consolidation for the 60K in credit cards, have about 3.5 years left, and the payments are as low as can be negotiated: 1650Cell phone bill family plan: 150Car payment 4 years left on loan, 2007 Hyundai Accent: 140Car insurance above car and a minivan: 140Credit cards not included in consolidation: 336Total: 2986As you can see, my income is less than my expenses. Im trimmed about as much as I can got rid of gym, tv, etc. I donate plasma for food and gas. I charge stuff to credit cards when I dont have cash not extravagant things, Im talking food and gas I have my kids 3-4 nights a week, which would make it hard to get a second job although I should probably take that step. I could also move back in with the ex, which would be awkward, but would save us some money. I dont know what else to do. I figure I just have to make it for 3.5 years until the debt consolidation is paid off, but things are looking grim. Seriously thinking about just saying screw it and declaring bankruptcy I know that wont get rid of taxes or student loans though.Anyway...any ideas for how to survive this?  <response>: There is no way out that doesnt trash your credit. Your current situation is unsustainable. Stop paying your credit cards debt consolidation. Dont pay VISA at the expense of feeding your kids. Stay current on your student loans and pay your 2K Tax bill off as quickly as possible. Your unsecured creditors will call you and bother you. Dont let them bully you. Tell them you will only deal with them in writing. Save up money - hoard cash. keep your budget thin like you are nowAfter your secured creditors are not getting paid for a while, you can call one of them and offer them 20 cents on the dollar in cash in full to settle the debt. If they say no, Try again later.They might sue you and force you into filing bankruptcy. If this happens you will have to learn to live without credit. You will need to build an emergency fund that will take the place of credit cards.Just remember they cant put you in jail for not paying your credit cards. 