<prompt> Human: Hey guys, what evaluation would you give for this guys finances?Credit Score: Under 650Status: Renting and singleRegular Employment Income: 2750month after taxAge: 27Total Debt: 93,000Personal Loan: 50,000 3;Credit Card Debt: 22,000 2;Margin Debt: 21,000 3.5;  <response>: Completely and utterly screwed for the foreseeable future.But I think you already knew that...which leads to the question: why are you asking people to evaluate this shitty financial situation instead of asking how one gets out of it 