<prompt> Human: Ive been lurking here for an age, but Ive finally gotten myself into a real pickle, and your help will make one more wildflower grow in a meadow somewhere, guaranteed. Just kidding. Or maybe not, who knows? As the title says...yeah. That. So, Im pregnant after a one night stand and a failure of contraceptives. Im 35, so...theres a good chance its now or never for me, therefore abortion is not on the table here. I make 48,000 a year, have 73,000 worth of debt all told credit cards, car, student loans, 60 in my checking account and 1000 in my savings. My plan WAS to start paying off the lowest debts first, then move up and up using the money Id be saving having paid off the smaller debts. I made this plan about four days before I realized I might be pregnant. I cannot expect any child support, nor aid from family or friends I keep a small circle because, you know...people. Im on my own, but Im determined to make the best of it and do what I can to give my child the best life possible. Im just not sure how. I will have to account for medical bills, child care, diapers, you know, all the stuff. Im looking into something to do from home as a second job, but really, Im just flying blind here. How do I navigate this particular situation? TL;DR 35, single, teacher, just found out Im pregnant, 73k in debt, 48k salary, 1060 in the bank. What now? Edit: Ive looked at my finances, realized I waste a lot of my money. Im going to rectify my spending giving up my vices will help, talk to somebody about student loan forgiveness and if I can, pay the min for 10 yrs. until its forgiven. I will talk to HR about flex spending. Research available aid. Apply for a second job. Without a second job, it seems like I could scrape by, with a second job it would be better. If I teach summer school 3k roughly I can put that directly towards debt, after saving it for one year for emergencies. It wont be easy, but its not impossible. I can also continue to search for a career that pays better. And this doesnt take into account any aid I might find somewhere. I still have a lot of thinking to do, but so much of what you have said has given me a place to start, and some goals to set. Im not helpless, even on my own. And if anything happens, as it might this early on, I will still reel it in and start clawing my way out of debt.Thank you. Now I need a nap.  <response>: If Im being honest, you cant afford to have a child. That being said making 48k a year and living in NC I used to live there I would be more concerned where the heck your money is going. Make a budget I was making 40k and was able to put away around 600 after bills. Yeah I would sit down and make a solid income vs outcomeof where youre money is going. You probably wont be able to live the lifestyle youre living now but also look into taking the father to court for child support? 