<prompt> Human: I am 28 years old, and I make 14.25 an hour to answer phones for a government program. Net I end up at about 1340 a month. I end up missing around 5 hours of work a week. I attend therapy once a week, trying to deal with my depression.My rent is 425 a month. My phone bill is around 120. My utilities are around 75. Gas is roughly 100.Food is 200.Student Loans are 120. I have around 10k in loans.Car insurance is 113. Doctors Visits are 120.That totals 1273 a month in expenses.That leaves me with 67 dollars a month. Some of these numbers are low. I didnt even include the cost per month for my antidepressants.I am around 300 in credit card debt at the moment, after moving.Because of my family situation, I cant afford the time to get a second job; my father is in failing health. I have a degree in English. Ive been seriously looking in to going back to school, but if I did, it would be to get an MSW. How can I even be thinking of doing that? First I take on more debt, and then for a degree where I get paid less than a teacher? Who am I joking? How can I make any sort of future for myself when Im this cripplingly strapped for cash?I just crunched this all out, and Ive got to say, Im terrified. I feel like every decision Ive ever made has been a mistake. I dont see a way out of this situation. I keep thinking that maybe it would be more financially realistic to save money for a gun.  <response>: Can you change your therapy times to earlier or later in the day to cut the 5hrs of missed work down? Even if you can get 1hr back that will give you an extra 50ish a month.The cell phone bill is too high.How far from work do you live? Is your accommodation shared or solo? Do you have the potential to lease out a room?As others have said look into what you can do with your car. 