<prompt> Human: Situation summary:30 years old. Employed full time 95k a year. Took on a part time freelance job to fill in some free time gaps but doesnt pay much, maybe 100week.Part time grad student. My company pays 4500year. I pay about 6000year over that. I graduate in December. Too close to stop, especially considering this degree should, in theory, get me either a better job or a promotion at my current job I am in computer science.Divorce left me with about 35k in credit debt, almost everything maxed out. In exchange for this I got all of my retirement untouched which is about 80k. It was a good deal, all things considered, wont go into details, but attorney helped.Ive been trying to come up with a plan to pay this credit debt off. High interest first, etc.I dont keep enough cash on hand to pay for all of my school, generally speaking. Ive been taking out loans. I am only two semesters away from finishing.Disaster happened this morning...My credit score has tanked so much from the credit utilization that Im now in the poor range and no one will approve me for a student loan. Thankfully I have enough to cover the summer semester, but for fall, Im SOL.I am preparing to take out enough from my retirement to bring my utilization around the 30-40 mark. With 1000month in interest alone, this debt is eating me alive faster than my retirement is growing at this point.I cant wait on a long term solution to pay it off. I have to recover my score.Any thoughts are welcome...Assistant: What happens to your take home pay?With your pay its not difficult to wipe out a 35000 debt. It wont take over a year if you are smart about it. You are spending too much where you shouldnt it seems.Human: Its entirely possible that I could pay it off in a year or two.Unfortunately I have 2 months.  <response>: You dont need to pay it off in two months, you need to restructure it. Why not just borrow from your 401k to pay your tuition, then pay that back? If youre making 95k, you should be able to find places to cut your expenses. Where are you spending all your money? Have you stopped saving for retirement in the mean time so you can catch up here? 