<prompt> Human: PF I am in need of serious help and guidance. I do not know what to do anymore and I am about to lose everything including my sanity. I will admit I am not a good with money never have been and I am definitely paying the price for that now. I live in hindsight which is not helpful. 5 months ago my SO and I welcomed our second child and since then life has been shit. Child was born with a heart defect that is manageable but very stressful. I have no savings and have borrowed so much money from people I dont know how I am ever going to pay it back. Our credit is shit and I can not get a bank to help me in anyway. My SO is slowly getting back to work but the job she has is based on seeing insured clients and SO has not been full credentialed to receive payments from the biggest insurance companies so the select few that will pay out is a very limited pool. Every bill is past due. I am struggling to keep food in the house. I need to know if there are programs for me out there or if I should just say fuck and file bankruptcy for us. I dont know what to do. I am completely scatter brained. EDIT-Thank you everyone for your advice and help. I am scheduled to meet with the county Human Services dept. on Monday. Initial phone interview: I qualify for the following assistance- Renteviction protection, utilities, childcare, food and potentially CASH! Answers to some of your questions; cell phone and internet- two lines and two installment plans for phones because there is no such thing as a free upgrade anymore, internet is only about 50. Daycare- Two kids at 1200 a month is actually insanely cheap, 300 a week is unheard of in my city. If we take the kids out of daycare we will lose or spot at said daycare, considering my SOs job is based on client load she has to be available to take clients. She is in the final phases of being fully credentialed which is what we have been waiting on. After SO is fully credentialed then her case load will sky rocket thus bringing in more money. SO took this job because her salary would increase 17k from her previous job. Also considering her career path, her new employer has a State Supervisor on site that can supervise my SOs working hours. In the mental health profession you can level up your license if your working hours are supervised. This service would cost us upwards of 5k if we were to pay for it ourselves. The car- it is no secret that I am paying through the nose for it, our credit is terrible and this is the best deal I could get. I attempted to refinance the car but could not get a better deal. I have also contacted a credit counseling service to assist with getting everything organized. What I have learned in this crazy chaotic situation is that no matter the situation there is a way out and you can receive help. Just have to find it in the right place and ask for it earlier. Thank you for your time today everyone. I am not closed on this topic so if there are any masters of finance out there PM me on strategies on being better about money management. The thing I hate the most about my situation is that I have to monitor my bank account heavily via online banking. I want to feel more old school about how I manage my money and not rely on online banking so much.  <response>: You guys need to increase income and reduce expenses.Filing for bankruptcy costs money that Im assuming you dont currently have. And that will only take care of some past debts. But it sounds like your current expenses are still going to exceed your income and at that point you have nowhere else left to dig. 