<prompt> Human: Hello PF!Im currently in extreme debt and I cant seem to get my way out of it. A lot of things happened in my life that really added up car repair, vet bills, losing hours at work, and moving. I could really use some advice.Im sitting on 78k worth of student loans, which thankfully I havent had to pay back due to a federal program. Plus collectively about 7k in credit card debt. My job only pays 9.50 an hour. I keep looking for better paying work, but nothing seems to be happening in that are. I tried to get a bank loan to consolidate, but my debt to income ratio is too high. I know theyre factoring in me paying half my check in rent, student loans, and car payments.Is there anything I can do?  <response>: Put your college education to work by getting a higher paying job.If you dont, you are pretty much cooked. 