<prompt> Human: So when I 30f started college six years ago I had no debt. In addition to federal student loans I took out United States, I also inevitably maxed out numerous credit cards during my quest to graduate. I majored in chemistry and am currently in graduate school for master in immunobiology, so my job prospects and income are looking good when I am finished in about a year from now.x200B;However, I basically have...47K in public student loans on forbearance 10K in student loans to my parents for graduate school22K in credit card debt, most of which has or will go to collection because I have ignored it. When I tried to resolve the matter with the companies they wanted me to pay what I can, but I have nothing to pay to them at all. I barely have money for milk as it is. The worse part is that I want to start taking out loans for my second year of graduate studies as well, if I can. Since I am in Germany, they wont know how bad my credit is in the states and they will probably give it to me. x200B;Look, I dont want to be this irresponsible, but I have had nothing but extremely minor income from the last years- but upwards of needing at least 12k a year to live... so thats what has happened. x200B;If anyone has any advice to me on how I can be more fiscally responsible, I am all ears. But Ill tell you I have really tried... and by really tried I mean I do numerous odd jobs- including escorting : - and it still isnt enough. Edit: I didnt start accruing debt outside of student loans until I got married to a narcissistic controlling lush two years into my bachelor, which took 5 years to complete. I was regularly manipulated and pressured into spending on things I couldnt afford. I dont need to get into the details. In addition, I have worked through my entire bachelor and picked the cheapest possible schools. I didnt come here looking for life advice on what has already happened. I know how to live frugally but shit happens. I am looking for advice on what to do about the credit debt I already have. So please, try to be useful rather than rude.  <response>: I dont think maxing out credit cards in college is an inevitable event. Probably want to adjust that perspective if you ever hope to get out from under debt. 