<prompt> Human: We are not married living in the same house with her birth mom who covers all but 50 dollars of the rent and my girlfriend has 4 year old. We have been dating for a while and will probably live together indefinably. Current living situation will only last 9 more months. We are looking for a better place when the lease is up. Her debt: 9369 COLLECTION SERVICES INC In Collection 390 FRANKLIN COLLECTION SERV In Collection 308 MERCHANTS ADJ SERVICE In Collection 90 MERCHANTS ASSOCIATION CO In Collection 907 PEN AIR FCU Credit Card with 750 limit 19.99 8,217 Student Loans Dont have to start paying until November; they are federal student loans. 7,678 CENTRAL CU Car Loan Pay 220 a month minimum 1,846 CENTRAL CU Loan Paid Monthly 415.50 Pay Day Loan Due in full on the first of August. My Debt: 7500 FEDLOAN 1,013 RENT RECOVERY SOLUTIONS 950 Bank of America Closed Credit Card In Collections 30 Over drafted account Still Active Monthly Bills: 60 Her Cell Phone Unlimited Plan 124 Bed Payment Minimum Due Weekly is 31 250-300 Electric Bill looking on ways to lower it. 210 Car Insurance Both Vehicles mine is paid off. 110 Her Car Loan taken out of account every pay period. 151 Credit Union Loan Minimum 50 Gas Bill 50 Rent Not a typo. 60 WaterTrash My Bills:85.33 Ticket For the next 3 months. 150 Cell Phone A month Unlimited Data on Verizon and I will not get rid of it. Need 355 to upgrade because screen cracked but still works I pay the full insurance, water bill and the 50 dollars rent. I make 1032 a month with two bi-weekly pay periods after taxes. She makes 1171.36 a month with two bi-weekly pay periods after taxes. She has Medicare that covers the baby, her and her son. She also is a Licensed Medical Assistant and is looking for jobs that pay about 14 an hour in that field or more. Im trying to set up a plan to have 6 months emergency funds for us both and to get rid of both of our debts. I would like to set it up where she gets rid of her debt and I get rid of my debt. Im currently in school and will be adding on more students loans. She will not be going back to school for at least a year.  <response>: I dont think the two of you can afford to move out of her mothers house when youre a student; shes having another child, and the two of you are 40k in debt and planning on more student loans.Is the bed payment for the mattress or the bedframe? Rent to own furniture is a rip-off.Have the two of you even tracked where your spending goes? The two of you have roughly 2k in income and 1k in expenses.Obviously, you should ditch the phone. Check with Republic Wireless;everyone on here recommends them as a cheaper way to do smartphones. 