<prompt> Human: It seems like all the posts here are Im 22 years old and have 500,000 to invest, what should I do?Well, Im in my early 30s, I have no savings, 48k in student loan debt, 9,500 in cc debt, minimum wage job, and not much hope.What can I do to improve my financial situation?I earn 18k per year as a cashier. Before taxes, sadly. I owe 48,293 in loans just looked at it yesterday at a 5 interest rate. I owe 9500 in credit card debt at probably an overall interest rate of 25an average interest rate of 23.8. Horrible, I know.My monthly expenses are:Credit card payments: 340Rent: 450Groceries 200Car insurance 50Gasoline 80And thats about it. I need the car to get to work, I cant walk or bike to work if someone was going to suggest getting rid of my car. Its really not an option.As you can see my expenses are pretty bare bones as it is anyway.Assistant: get a non-minimum wage job? what is that expensive degree in?edit to add: who the hell even pays minimum wage anymore? like even walmart cashiers make more than minimum wageHuman: I want to, but I dont know where to begin. Maybe some people here can help. My degree is in literature--and Id rather not hear insulting things about it.Assistant: ok, well what is it that you want to do? what was the plan? Human: To be honest, I didnt have one. I just went to college because everyone told me that I was supposed to. I majored in what I was good at, took way too long to graduate, and well, here we are.I should say that my school gave students refund checks on student loans. The degree shouldnt have been nearly as expensive as it was, but because I foolishly took the refund checks and spent them, it ended up costing a lot more than it should have. I ran the numbers and my debt should only have been 17k, and if my school hadnt given refunds, thats what my debt would have been. I guess I cant blame the school for my irresponsible behavior, but really, Im not alone and people in their early 20s are not always good with money.I graduated five years ago and the debt is now about 6k in interest. I havent made any payments, partly because Ive been paralyzed, partly because I just didnt have the money after everything else was paid. My loans have been under IBR for years, which I guess is better than the alternative, defaulting.Assistant: well, we cant change the past. but its time to get a non-minimum wage job. there are tons of jobs that just require a degree, and not really a skill set. where have you looked for jobs?Human: Yeah, I just feel like anything real is out of reach. I hate that feeling. I dont even know how to get a real job for whatever reason. College didnt really prepare me for the real world, and the older I get, the more I feel that it could be too late.  <response>: I dont know you, and I dont want to jump to conclusions, but it feels like youre your own worst enemy here. Its never too late, but you do have to put in effort. There are jobs that pay better that dont require a degree. You could look into call centers, distribution centers, warehouses, etc. Places like FedEx tend to pay well and they do a lot of hiring this time of year. How do you get a real job? You put in an application or a resume. Look online for jobs - Craigslist or any number of job sites like monster.com or indeed.com. Look up the major employers in your area and go directly to their website; most will have a page called Careers or something similar that list jobs. Apply for anything youre remotely qualified for. Think of how much better off youd be at even a 10 an hour job over minimum wage. Hell, my fiance worked for Target and got paid 10.50 an hour to stock overnight. 