<prompt> Human: Hi All, Over the span of about 1.5 years I have accumulated 20,000K in credit card debt. I fell onto some really hard time in the last 4 years especially hard the last 2 years where I was completely on my own im 26 now, going through a divorce, went through unemployment. At first I justified charging everything because I had a job with a lot of growth income opportunity. Yet I wasnt able to make it to the point where I became a top earner and during the process was barely making any money. On top of that I was unemployed for a few months and had to charge my card just to eat. Fast forward to today and I am about to turn 27, Im 20,000k in credit card debt with a part time job that is only paying about 1400 a month. My rent is 700 plus utilities and I have a motorcycle payment of 200. I live in San Francisco. About 8 months ago I started dating an amazing person who occasionally helps me with my bills as she makes much more than I do -- as grateful as I am to have her I dont want to continue to ask her for money at the end of the month. What Id like is if anyone could help me outline a plan of action to work on finally paying this debt. Im happy to provide more information if needed -- of course I dont want to file for bankruptcy but if that is my best option then Ill do it. I have no savings just a lot of debt haha. Living under debt is suffocating and I really want to be proactive moving forward in my life. Any and all help would be appreciate. Thanks! Added Information I am personal trainer -- so I am currently looking for more clients which would help my income. I expect my income to increase from 700 a pay check to about 1000 realistic, as I get more clients within the next two months. Are there any non-profit services I can look into that would help that are tried and true? Also getting rid of the bike is not option. Yes I do have a college degree and I am on my way to becoming full time at my current job.  <response>: There is no financial gymnastics you can do to pay off 20k of debt on a 18k yearly salary. You need to make more money somehow. If you dont have a college degree I would recommend learning a trade. Most worthwhile trade schools offer work placement after completion of their program. Its an upfront cost, but you should be able to keep working part time to support yourself. Welders, plumbers, and electricians are in high demand. 