<prompt> Human: Im broke and feel overwhelmed and need to figure out how to get out of this debt. First, I have not paid on my students loans for 4-5 years and I know I need to call them to set something up. My problem is I live paycheck to paycheck with no savings. My car loan is over 1037; interest and Im paying 416 a month on a 2014 Subaru BRZ. Im about 3-4,000 upside down on the loan right now. I cant get it refinanced because my credit is shit from the default student loans. I dont splurge or spend exorbitant amounts of money on frivolous things, so theres not a lot of fat to trim.Does anyone have any advice? My girlfriend suggested I trade my car in for a cheaper vehicle to lower the payment. With my crappy credit, I dont know if that is an option either.EDIT: Sorry, I didnt include the hard numbers.I bring in 2100 after taxes. These are the bills I pay every month outside of gas and food.Rent all-inclusive 550Cell Phone 100Sling Netflix 75Parking 55Insurance 85TOTAL 865  <response>: 1. Call to get your student loans into rehabilitation.2. Once that is done, see what you need to do to qualify for income-driven repayment plans. This will help you not default on them again.3. Get a second job and use the income to pay more to your car or student loans. 