<prompt> Human: Hey everyone. I see advice for those with higher debt than I, but they also earn more or have higher immediate earning potential. Taking care of my mental health is a part time job within itself, so I hardly have time to work along with dealing with college. I do work study which is where my bit on income comes in from, but I hardly ever earn the max amount due to timing restrictions. My average monthly total is 160 these days. That money is taken up quickly by my phone bill and medical necessities.I used to have a really good credit score because I would use my card and then pay it off. Since this summer Ive been trying to pay down the card, which has never been ran up this high had a bad summer financially and mentally, but little progress has been made. My FICO score is now low. I pay all my monthly bills on time, but I also have hospital bills I cant afford to pay in collections. Id like to have my credit card debt paid off before I graduate in May so i can work on at least rebuilding my FICO score.What advice would yall give to someone in my situation?  <response>: 500.00 is a drop of water for debt, even though I know that it can seem like a lot.Mental health is important, especially while managing a job and college but you can work more than what you are. Picking up an extra shift a week and putting that money towards the credit card will help. As well, it is winter break. Work every single day you can. You can get up to 35 hours a week or around that without being considered full time. You could pay this entire thing off over winter break.If your work study does not allow this, you need to find yourself an actual part time job.As well, you do need to take care of yourself. If you know that you tend to use your credit card when not feeling so good mentally, lower the limit. Do not put yourself in this position again.I know its not exactly what you want to hear but there isnt an easy way to paying debt off. At 21, you should be able to handle and pay off 500.00 fairly easy. What happens if the breaks on your car goes out? Or you need something for your apartment, or future house. This amount of money should not be overwhelming for you.Once you get this paid off, research what to do about your medical collections. How much is it? 