<prompt> Human: Hi all, I 20F am having some trouble with debts right now. Let me try to elaborate as best as I can, but I apologize if I miss anything as this is my first time posting here.I do not have any student loan debt. I have about 1,700 in Credit card debt. And I have a car loan debt at 19,000.Monthly payment is 470. Yes, I know. The payment is ridiculous and I see that now Im an idiot for agreeing to it and the crazy APR. I was laid off about 6 months ago and used all of my savings about 4,000 in between jobs. The car is a 2015 Kia Forte. I could afford it at the time when I had my previous job, and did not expect to lose it. I was thinking of trading my car but the estimated trade in value is only about 13,000 and I need a car so even buying a old used one would leave me way upside down on payments. I was denied for a refinance because of the cut in pay.I was recently hired as a Team Leader at a fast food place for 10hr. On average, my checks can be between 370-500 every two weeks. 740-1000 a month. So I need to figure out the fastest way to pay off my debts so I dont fall behind on interest accruing. Was this supposed to be posted in the Budgeting category??So;say 800month incomethis is what Ive been doingCar: 470Credit Cards:50 minimum paymentCar Insurance: 250This leaves me with 30 at the end of the month, not even enough to buy groceries if I just pay for this stuff. Luckily I have free housing at the moment or I would be really screwed. I really appreciate any advice you guys can offer. I just want this debt gone, it is eating my life away and I want to move out with our baby soon enough.  <response>: Are you eligible for WIC or SNAP yet? Id look at that. The car is a big millstone around your neck Im sure you sense that. This is one of those situations where default might not be the most horrible solution. Itll wreck your credit, but I dont think youll be buying a house before 27 anyway. The trade in value is 13,000, what do you think you could get if you sold it privately? 