<prompt> Human: Ive gotten myself into a situation that is now all consuming and all I think about. I have a debt that has accumulated to an excess of 26K. Credit card at 7000 with a horrendous interest rate of 29.99. I pay the minimum, sometimes a little more, 200mo. Another credit card that is 6300 with a rate of 8.5. I pay the minimum, sometimes a little more, 150mo. Personal fixed loan of 8500. I pay 243mo. Car loan that is 4300. I pay 200mo.I bring home a little more than 2400month after taxes. Its a good stable job with great benefits that I have had for 7 years. About 5 years ago I got a DUI and my debt went from zero to this hot mess. It started with the legal bills and fees but became much more than than as I played and failed at the game of life. I am 29.My spending breakdown is thus: 650 for rent wutilities. I am 7 miles from work and the price is v reasonable for where I livework. 158 car insurance which is the cheapest rate I have been able to find bc of my DUI. 85 phone bill 120 gas 200 on groceries, I have to do better for sure. 25 on random subscriptions that I wont give up considering the joy it brings me. 800 for all debts and loans listed in the above section, at minimums.I dont own anything, not even my car, and I have zero savings. Im far from perfect, I like to go to dinner with friends about once every other week and I attend a couple showsevents a month. Whenever I get the rare bonus or come across extra cash from selling my stuff, I use it to pay down a little more debt -- but its not enough, and at times I end up having to charge my cards at the end of the month for things like groceries and gas. Ive reached the point of maxing my cards and continually paying down and charging for the same things in this sick cycle.I recently started reading about Chapter 7 13 bankruptcy and have wondered if this would be best for me. So I seek your advice PF. I heard that if you cannot pay off your debt in 5 years then its something to consider. I also realize it would hang over me for the next 10 years. I cant imagine still trying to pay this off, if possible, for the next 5 years without sacrificing more of the life I barely have. I stopped drinking because I realized I spent a lot of money on going out and buying booze - but now I dont really leave the house. It hasnt made the significant difference in my budget that I anticipated. I feel completely and utterly lost. I dont have anyone to turn to for advice and I have reached a point of desperation. All advice and suggestions welcome. Thank you.EDIT: I am currently a student finishing my Masters degree, writing a thesis, and taking a weekend class. So please dont suggest to me that I get a second or third job.Assistant: Forget bankruptcy.Get a second job -- or better two a second job plus a gig economy job -- and pay off your debt in 6-12 months.You only think youve been sacrificing your life. You havent. There are people living in their cars and eating at food kitchens. You arent even close to that.Human: If it was that easy I guess I would have already done it. I should have mentioned Ima student. I will add to OP.Assistant: What are you studying?Human: Im in the Humanities and I dont need a lecture about job prospects. I did it for personal fulfillment. I am nearly done with that degree. I have recently started taking welding classes and considering the certificate program and new career. That would be about 2 years away if I do it because I work full-time.  <response>: I dont need a lecture about job prospects. I did it for personal fulfillment.Good attitude 