<prompt> Human: So a little backstory, back in 2013 I bought a Ford F150 without looking at it, it crapped out on me and then I bought a Ford Fusion on trade in. I was left with 8000 in bad equity on the truck. I then increased the limit on my credit card so I could purchase a engagement ring for my fiance. Times where soso I work in Alberta as an apprentice electrician so the money was pretty good. 2015 hit like a sack of bricks and job hunting was brutal, finding a job every three monthes. I ended up going to trade school back to back digging a massive hole of debt. Anyways I owe 12k in government loans, 5k on my visa and roughly 27k on my car, and I owe a rental company roughly 3k since I moved to northern alberta for work. I planned on paying them back in July but I wound up in the hospital with appendicitus and was on my back for three weeks. Made an edit was on my back for 3 weeks. Now im back at work and trying to catch up.  <response>: 1. get a job2. get a budget3. stick to the plan 