<prompt> Human: I currently Living paycheck to paycheck. I have a little over 12,000 in CC debt, 12,000 owed on a car, and 63,000 on home.Over the past year I have paid down 6,000 total debit. But due to income lost I can now make only the min payment for now. After Bills Debts, I left over for 200 a month gas, and food yay for dollar store Power 120 down from 190, Water 30, internet 50, Netflix 8 is the break down of my bills 530 mortgage payment, 250 car paymentI am Currently looking for a new job ASAP but If i lose my job in the mean time i will not be able to pay my bills for the month. Would like to Know if I do lose my job would bankruptcy be an options? Any loop holes in the bills that would keeps lights on and repo men at bay? If i do lose my job I would love to go back to school for a different field. Any programs for a jobless one to get collage for a 2 year degree?  <response>: You are not living pay check to pay check. You are actually living well outside of your paycheck. The CC debt is indicative of that fact. Can you tell me how much you spent last pay period? If that number is larger than your weekly income, and that is a trend every pay period, you are on your way to bankruptcy. You said you need to go back to school...What is your field? More debt is not the answer to getting out of debt. If you cant pay for a 2 year degree without more loans, I wouldnt suggest you do it. You may need to consider selling your car. What do you owe on it? What is it worth? 