<prompt> Human: So heres my situation. Im on the cusp of turning 30 and I dont have any plans beyond getting my next check to pay bills. Every month im out of money and anything Ive saved is usually put toward ever rising bills or unforeseen expenses. My job tells me that im near the max out point for what my position will pay. I dont have any higher education or skills to route myself on a new career path so I feel stuck where Im at.Financially, I bring home about 1,100 Bi-weekly. Monthly expenses are about 1,940. Thats all my utilities, car payment, Credit cards, collections debt, and a rough estimate of foodgroceries.That leaves me with about 260 to play with at the end of the month. I dont see how I can save like this.I would like to go back to school, but have been turned down for a loan and clearly cannot afford to do it out of pocket.i should also add that my credit score is in the toilet. Medical bills, credit cards, car loan, delinquent cell phone accounts. Im paying them off, slowly but I always fall behind.Any help or advice is greatly appreciated!Assistant: Why were you turned down for school loans? Did you use Fasfa for Federal sturdent loans?, with your low income you should be able to get some grants also. No reason why you cant go to a cheap 2year school or even 4 year.can you break down your payments? Im betting your car and rent and just too much for youHuman: I applied for the FAFSA and they turned me down. I would plan to go to a 2yr schoolcommunity college and then transfer to a 4 year to finish.My car hasnt been too much of a burden but that extra 280 would help.Rent is 550 with a roommate, 1000 without. Ive been lucky to have a steady stream of people move in but if I ever dont have someone in the room im fucked  <response>: FAFSA doesnt just turn people down unless their income is enormous, like over 6 figures. I earn more than you do but I qualify for subsidized and unsubsidized federal loans through FAFSA. 