<prompt> Human: Hey rpersonalfinance, I was hoping to come to you guys with tales of grandeur and conquering my loans... and then things changed. Im at a loss as to what to do from here on out, and I want to take positive steps.Im somewhat employed as a contractor doing Front End Development. Technically, Im self employed, but I really only work with one company. I get paid 150 for about 4 hours of work sometimes more, due to a somewhat lower level of skill, when available. I was assured I would be able to live off of this a couple of months ago, and I was scraping by but unable to put money aside for taxes. I was told things would improve and I would receive more work. As you can tell by this, the opposite has happened.I am now at a point where I dont know if Ill be able to pay my bills past the end of September. On top of this, my cat was diagnosed with cancer, and Im struggling with my own mental health issues. Im trying to figure out where to go from here, considering I have a large amount of debt over my head as well. Now, Im not alone, I do have my boyfriend who can cover his own bills, although he is behind on a couple an extra paycheck in October is due to catch him up completely. But he really cant afford to cover me.My parents have graciously offered to take over the car loan for the moment, which is a huge help also, my mothers name is on the loan, so shed murder me if it fell behind. My federal student loans are on deferment.Do I get a new full time job? Do I get a part time job? o I apply for benefits? What should I do?!Heres my bill split up with debts:Bills Pay Per Month Total Owed---------Rent 700 naDiscover Student Loans 197.70 18,866.00Student Loans deferment 89.847.00Car Insurance 59.85 naCell Phone Insurance 9.99 naCare Credit 25 692.12Motorcycle Insurance 17.34 naGas 27.50 400 on payment plan to help offset New England winter costsApartment Insurance 31.74 na every 3 monthsDiscover min 35 1,223.00Capital One min 25 740.91Car Payment 350 14,257.00 covered by parentsElectric 73 300 just found out something is wrong with out water heater a month too lateHealth Insurance 107.53 naComcast 79.552 39.78 naHospital 60 280Food 40wk, 160 total naGas 60mo during summer naI just... please rpersonalfinance . I know I fucked up big time. I need something to guide me in the right direction. Im taking small steps - credit cards are locked away until paid off. Ive been taking the motorcycle whenever distance calls for it, and riding my bicycle to work when I can. I cut food if need be. I just want to feel some form of security again.Assistant: Its simple, you need more income. Get a new job, full time. Good luck!Human: What do I do though if I enjoy my team and where I work?  <response>: You barely work there. Come on. Reality check needed. 