<prompt> Human: I cannot survive financially. Heres the situation: Im a 25 year old male. I work full time but I only make 13.50 an hour, and Im on call for emergencies after hours so I cant get a second job. I spend 20-30 hours a week outside of work looking for a better paying job but the only offers Ive gotten dont pay any more than I currently make. In the next 6 months to a year I will need to move out of my parents house with my boyfriend he only makes 11hr and he and I are going to discuss finances in a week or so. My financial situation: about 50,000 in debt student loans, vehicle, and credit. I currently pay all the utilities on the house that I live in now which is about 300-400month depending on the time of the year. My loans, gas, and food take up the rest of my monthly expenses. I cannot afford my debt so while I am paying on all of my debts, my credit card balances are creeping up. Ive sold off anything of value that I had and paid down a credit card but its still going up.So heres the problem: my boyfriend and I cannot afford an apartment, and I dont have a whole lot of hope about government assistance since we are both able to hold full-time jobs. In September we will both turn 26 which means that well each have 200month health insurance payments. Ive read online that if my financial situation is bad enough that I should begin to stop paying on certain debts and that eventually the creditors will just stop bothering me after a couple of years or so. This sounds great at this point but then I will no longer have a decent credit score currently 680, which I imagine I will need in order to get an apartment.My boyfriend and I discussed moving in with family but both of our families are broke which is why my parents are going to sell this house.So how can I scrounge up another 600-800 dollars a month from my paycheck? Is there some way to make some debt just disappear?Thanks redditors!  <response>: I work full time but I only make 13.50 an hour, and Im on call for emergencies after hours so I cant get a second job.I spend 20-30 hours a week outside of work looking for a better paying job but the only offers Ive gotten dont pay any more than I currently make.If those other jobs pay the same, but dont require you to be on-call for emergencies, then they effectively do pay more because you can get a second job. Depending on what the mix is of credit cardsautostudent loans, bankruptcy may also be a nuclear option and you can likely at least consult with a bankruptcy attorney for free. Be advised it almost never helps with student loans and youll likely have a choice between either losing the car and continuing to make payments, but it could be a way to at least shake off credit card debt. Dont enter into bankruptcy lightly, of course. 