<prompt> Human: So Im basically the poster boy for how not to spend your 20s. Just a brief overview so we can get to the personal finance questions. Got married at 24 Got hooked on pills at 25 Lost job at 27 Wife left at 29 Homeless at 30 Arrested at 31Now Im here at 31 living with my parents attempting to start completely over and Im humbly asking for advice from you Reddit. Here is where I am at financially.EmploymentSomehow, I managed to land a really awesome job in a field I love with no degree and no formal experience. Right now I take home about 2,400 a month. DebtI have 6000 in student loans, 600 from a delinquent CC, 450 in collections from my last apartment, and about 600 misc gyms, phone. I also have 3600 in restitution I have to pay as a result of me being an idiot. That of course has destroyed my credit. Currently my score is 530. BillsJust my car insurance 70 and my phone 65.My goals? I need to get back out on my own, clean up my credit and get rid of this debt and actually become a functioning adult. I have at most three months to get my own apartment and furnishings which average about 800 a month in my area and Im looking to get my credit up as soon as possible too. Repairing my credit is something that is completely foreign to me so I image that is where I will need the most advice. Ive signed up with Credit Karma and am considering getting a secured CC. Any and all advice is extremely appreciated.  <response>: Hey OP- Thanks for your honesty and humility at where you are right now. That takes a lot of couragecharacter to share. I dont have any specific advice, I just wanted to share that. 