<prompt> Human: 20k in debt, I make over 2k a month but everything combined is killing me. My credit card has 15k on it and is 200 a month in interest. I cant get approved for a 0 APR card either. Reddit, what can I do? Im about to be a father in 6 months. My wife isnt working at the moment.  <response>: Contact a local credit counseling service, they can assist you in contacting your creditors and negotiate a lower interest rate and a monthly payment plan to payoff your debt.Your credit will be affected, but not like a bankruptcy will. 