<prompt> Human: Good afternoon rpersonalfinance,My story is one of the generic college student who always thought Ill never be one of those kids who gets in to too much debt! Well, here I am about 5 years later looking at my credit, my debt, and wondering what the heck I need to do.I keep track of all my spending per paycheck in an Excel document. I was recently living in a nice one bedroom apartment for 325month with my girlfriend, but with her leaving me, rent is now going up to 650month and that just took out about all my padding in my budget. I have 21,530 in credit card debt over 7 cards, student loans at 20,856 which Ive currently got on a graduated repayment plan, and an auto loan at around 19,000 remaining.My monthly income is about 2,000. Of that, bills amount to roughly:- Rent: 650- Electric: 60- Verizon: 60- Internet: 70- Student Loans: 150- Insurance: 55- Auto Loan: 350- Previous Personal Loan: 80 700 remaining- Other: 20 Server and NetflixThats a total of 1495mo. The car was purchased somewhat recently and theres almost nothing I can do, this was purchased before the break up. Yes, retrospectively, I should have just worked on my debt...The minimums on the cards are near 500month, which leaves me with no money for gas, savings, food, etc. I talked with a credit counseling agency and they offered me to do something near 500mo but that includes at 50 service fee that cant be waived. I havent moved on that offer, but they were able to bring interest rates down DRAMATICALLY on all cards. Im totally stuck and dont know what to do. My stomach is sick, and Im just worried. I just dont know what to do.  <response>: Im totally stuck and dont know what to do. My stomach is sick, and Im just worried. I just dont know what to do.I read the comments in reply to this post and felt a little horrified by statements like dumb and incredibly stupid. Come on, people! We can do better. OhShoot, theres good news and bad news. The bad news is that youre in a tough situation and there isnt a silver bullet to make everything OK. The good news is that your situation is not insurmountable and youve already taken steps to diagnose the problem. Thats huge. Its very tempting to ignore a difficult situation until it blows up in your face. Kudos for trying to get out in front of it.Take a deep breath. Get a plan together roommate, sell the car, whatever.... Execute the plan. Take pride in the progress you make. Youre going to be OK. 