<prompt> Human: Alright guys, so this is a doozy. Im considering seeing a financial planner of some sorts since Im really stuck between a rock and a hard place...Get ready to see the real cycle of poor finance. Income: 60k. Could be 70k in next few months. CC debt: 5kStudent debt: 90k total1400 per monthRent: 1k per monthCredit score: 530So guys... clearly this is bad. And Ill tell you how I got into this situation. By avoiding paying my student loans for about 8months. In 2017, I stupidly racked up 5k of credit card debt, was careless about my loans, and put my credit score in the trash 750 - 510.So now, Ive completely halted credit card use and my loans are on track. However, Im still stuck with a shitty credit score although its rising incrementally.Im having a hard time paying off the credit card debt due to interest and just a tight budget in general. But due to my credit score, Im unable to qualify for a balance card with essentially no interest. BUMMER 1. Due to such a shitty credit score from being careless about my loans, I cant qualify for ANY student loan consolidation services to get my payments down to something reasonable. BUMMER 2Its all such a terrible cycle, making it difficult to make improvements anywhere. Obviously when my pay goes up I can chip away at the credit card debt more. And as my credit score rises over time, I can consolidate student loan debt. But I dont see that for a few years...TLDR: Bad credit means difficulty qualifying for things that would help ease monthly payments and reduce debt. Any advice? Any help? Im clearly headed in the right direction but making such minuscule strides... My budget is too tight right now, leaving me with nearly nothing at the end of the month. THANK YOU.  <response>: Can we get a real breakdown of your budget? Whats your take home per month? Rough math say you should be taking home 3,400 a month. Rent loans 2,400. Tell us about the other 1k. Are there other places you could be leaking money that you can tighten up to get that CC debt downgone and then back on track? Thats first and foremost before worrying about opening more lines of credit. 