<prompt> Human: Hello all, Ill try to be curt and just give the pertinent info. Let me know if I left something out.My question: What the hell do I do??? About me:Student at a NC Community College - will grad with A.S. Entrepreneurship in May. After which, my 1,100mo will disappear and I am royally screwed.Attending on Post 911 GIBILL. Income of 1,100 if Im lucky, depending on amount of holidays off. Its prorated and paid in arrears. At 18 credit hours now, so day work isnt an option and... Work PT at a farm. Literally shoveling caca. 12.50hr, max 15 hrswk.Income: Raw numbers per monthGIBILL - 1,100at most Farm - 500Expenses:Rent - 300 Car - 170.00 7k payoff Phone - 118.00 Insurance - 80.00 Personal Loan - 170.00 min 5.5k payoff Credit Card - 360.00 min 18k payoff Gas - 200 Food - 200.00 Misc - 4k my mom loaned me to replace my transmission last xmas.Total debt: - 30,000Synopsis: I am a 27 year old male, currently employed and going to school over full time. I am struggling to even eat and put gas in the car. I literally go day to day just scraping by on my credit card because I have no liquid assets. I own nothing to sell. A friend let me rent a room out for cheap. I am currently on the edge of being late with every payment. I have tried my damnedest to reduce all my expenses while increasing my income..but as of now I simply do not have the money to dig myself out, much less put money back or eat anything other than McDoubles every single day. My credit score is great minus the debtincome ratio. If I can just make it to May, I will pursue returning to the Navy to pay down debt or pursue a truck driving school. I just need SOMETHING, ANYTHING that pays enough. Lastly, I may land a job as an Ingles overnight stocker, probably 12hr. This, I fear, will put me over my capabilities. Not to mention, after May, I will end up in the same boat anyway.Got questions? Just ask! Thanks for looking. Also, should I really be beating myself up all day, every day because of my situation? Its so hard, I feel as if I am soon to go bankrupt or something. I know I am just out of time and all my endeavors thus far have failed.Assistant: Car - 170.00 7k payoffHow much is the car worth? What is the rate on this loan?Phone - 118.00Is that one cell? or other stuff too? if just one cell, that is way too much. Switch to an MVNO and save a ton.Personal Loan - 170.00 min 5.5k payoffCredit Card - 360.00 min 18k payoffWhat are the rates on these?Human: How much is the car worth? What is the rate on this loan?Car is worth its loan amount. 4, Navy Federal CU.Is that one cell? or other stuff too? if just one cell, that is way too much. Switch to an MVNO and save a ton.One cell phone, Verizon. 1yr left on contract. I stopped in to ask them for some relief, they basically said no, just pay your bill. Id love to switch personally.What are the rates on these?Personal loan - 18 - I know, I know. It was an emergency. Credit Card - 14 - Navy Fed CU. Dads funeral, some living expenses, some major car repairs.  <response>: Here is the list of US MVNOs:If you find one that is on the Verizon network, you should be able to keep your current phone. You will probably have an ETF, sometimes they will pay your ETF for you like Ting had a promotion for. Even if they dont it still might be worth it to pay the ETF and get a cheaper plan.Another option might be to switch to a cheaper plan with Verizon, it might avoid the ETF. Dont go to one of the stores, call them up. Tell them you are thinking about leaving VZ, that should get them to work with you. 