<prompt> Human: TL:DR After a tough divorce I let bad selfesteem and horrible spending habits launch me into debt that is well beyond my means. Need advice on how to to proceed. My wake up call has occurred. My car was broken into over the labor day weekend and its costing me 312.00 to fix the damage. Its below my deductable I have basically no savings now and I realize if I put it on CC again its continuing to magnify the issue.These are my numbers: Money coming in:Current take home pay bi-weekly after state and fed tax: 941.96 a little over 33,000 before taxes a yearPayment from ex wife for debts after divorce 150.00 monthlyMonthly Necessary Bills:620.00 Rent and Utilities42.00 Eletric average251.56 Car Payment238.00 Car Insurance240.00 ish for fooddog food and necessitieshygiene65.00 Cellphone42.00 InternetSchool and CC Debts:CC 1 VISA 9880.56 min payment 225.00 Interest 16.74 cant afford to pay this todayCC 2 AMEX 9997.97 min payment 263.00 19.74 interestGov student loans 58,080 payment 160.00 income driven payment planPrivate School Loans 11934.53 payment 265.90 various interest rates.Im working on finding a secondary part time income, but its tough as my government job is flex hours so my only availability is weekends and I cant commit to evenings during the week because I never know when I will have a necessary really late day. Im trying to avoid uber and other driving jobs because I dont want to risk wear and tear and maintenance I cant afford on my vehicle. So trying online side hustles like Mturk and Clickworker while I try to find something more practical. Right now Im looking at basically no longer being able to keep up with paying debts this month. My silver lining is that my boss has put me in to get my promotion early because of my work ethic. This would generate about 200 dollars more biweekly but no garrantee it will happen and it will still likely take a year. Im stressed and lost. Advice?Edit: Thank you lilfunky for better formatting. Look below in first comment.Edit: got rid the story no one cares about.  <response>: So youre taking home 2038 a month and your minimum debt payments are 914. Your necessary bill payments are 1500. That means youre losing 376 a month doing what youre doing, before any discretionary expenditures at all. You also have budgeted nothing for emergencies.Assuming your withholdings are accurate - and they probably are - this cant work. You are bankrupt and soon will lose the ability to finance the missing 400. One or more of the following are true, probably all of them: You cant afford your current living situtation; you need to move back in with your parents or find roommates. You cant afford to own and operate a car. You need a better-paying job or a second job, ideally both. Now, not at some later time. You should declare bankruptcy to wipe out the credit card debt. No point in considering this until the main problem minimum expenses exceeding income by 20 is fixed, however.Lots of people respond to facts like these with Yes, but.. and then some reason, justification or excuse why this cant be the case. If thats what youre tempted to do, youre just worsening the problem by refusing to face reality. 