<prompt> Human: Heres a long story short: I generally keep my finances in great order. Never missed a payment on anything. Ive never overdrafted a checking account. My credit score was around 660 earlier this year, which I understand is pretty good for a 22 year old.I lost my job in July and had to max out almost all of my credit cards to continue living because I couldnt qualify for unemployment. I now have roughly 20k in credit card debt and the payments are about 500-600 a month. I just recently got a new job and Im making enough money to cover everything, but that extra 500-600 would be awesome if I could save it instead of spend it every month on these credit cards. Is chapter 7 a good way to go since Im so young and it would virtually be cleared up by the time Im in my late twenties? Id really like to start contributing to an IRA and my 401k, but theres no room left in my budget thanks to my stupidity with the credit cards.Any advice would be awesome, thanks guys.  <response>: You borrowed the money. You have the money to pay it back. So pay it back. Theres no easy way out of your responsibilities. Thats adulthood. 