<prompt> Human: I have two credit cards under my name. one capital one with 10k balance and another one with bank of America with 3k balance. I am a High school graduate, but never finished college. I am currently employed at a grocery store for 11k a year, and my monthly car payments plus car insurance prevent me from paying off my credit balance monthly with all the other expenses and the interest charges. I have been struggling to minimize my expenses and even trying to drive for lyft when I can, but it isnt a stable income, some weeks I can make 300 others I barely make 20 I do love programming and I have experience developing small flash and java games and several java apps. My best hope is to be able to find a job related to programming without a diploma. But I dont even know how to approach this.  <response>: 11k a year at the grocery store? Why arent you working a full 40 hours at the grocery store?Why dont you have a second job other than Lyft?What is your car payment and insurance? How long left on the loan? 