<prompt> Human: Hi, I need help budgeting or advices. Im 28 with around 140,000 dollar in debt, no college degree, and no savings. Most of my debt is student loans that I irresponsibly took out to pay for college, dropped out due to some horrible life decisions, and now working a low paying full-time bank position at 16hour. Current rent is 750, along with gas, food, and cat foods3. I barely can make ends meet and also owe the IRS 1,200 and have medical bills of 3,000. On top of that I have to pay for my current car which is 3000.. I am tired of being poor and tired of not knowing where to start. I currently live with 2 sisters and they have their own struggles as well. I dont know where to start. I am drowning in debt. Both of my loans fed and private have defaulted as well so my credit is below awful. I also do not wish to go back to school and hope make it alive by 2019. Any advice would really help me. Thanks in advance.  <response>: I know this sounds terrible, but the first thing you need to do is find a new home for the cats. If you can barely get by, then you cant afford a pet right now. Also, have you considered a vocational school instead of college? They can usually be completed in less than a year, and would give you a career track beyond the service industry. You can get info on reputable vocational schools at Mike Rowes foundation Mike Rowe Works 