<prompt> Human: 35,000 in CC debt.4 Credit Cards.7,600 in my husbands name.The rest in mine.We cannot currently live on cash because or CC bills are so high. We pay 1100 a month in minimum payments, so then I have to put more things on credit to survive. No crazy subscriptions, or unnecessary items to cut. Ive cut them all. Interest is just killing me. We each also have 60,000 in school loans and a 20,000 car loan each.We are on a bare minimum budget to basically feed clothe and house ourselves and 2 kids. Credit Scores of 640 and 650 because our utilization is so high. No missed payments in over 3 yrs. Help. Already denied for a personal loan from SoFi. Drowning here and feeling helpless.  <response>: Post your income and budget, people here may be able to find a way out for you or see if bankruptcy is really the best option. 