<prompt> Human: First of all, thank you very much for taking the time to read this. Any advice would be greatly appreciated.I am almost 26 now and instead of facing my problems and attempting to resolve them I have been putting them off and things have just been becoming progressively worse. I would love to get my life in line but I dont know where to start. I apologize in advance for the block of text but I feel like background information would help you guys better understand my situation.I have lived on my own in terms of living situation since I was 18. During this time I went to school and worked while receiving zero help from my parents. Any parental help now is definitely outside the realm of possibility. Despite working for most of college I graduated with around 12,000 in debt. I have not known how to pay most of this off because upon my graduation in 2012 I was not able to find a good paying job. I currently only make around 1,500 per month. 875 of this goes towards my rent, 30 to phone bill, 30 to internet bill, 50-80 to electric bill, and 120 to car insurance. I spend some on gas money and food. I have maybe about 100-200 left over after any given month but I have been using it to pay back debts as follows: I have about 1,500 on a credit card that needs to be paid back because of a dental procedure about a half a year ago and pay about 150 a month back on a separate dental procedure payment. The only good thing I have going for me is that I dont have car payments. Also of note is that I dont have insurance. I dont spend any money on entertainment besides maybe going to see one movie every couple of months with a friend, and I havent bought new clothes or anything like that since maybe freshman year of college.The problem is that I am not making enough money and not reliably enough. I am unable to save money to pay back any of my school loans or save for a future. I honestly just feel stuck which is why I am posting here as I have seen you guys do miracles here on other posts I have read.Thanks in advance for any advice you guys offer. I really appreciate it. I will answer any more questions if you guys need to know anything else.  <response>: Did you say massively in debt? Ill tell you massively in debt. In 2008 I had a business collapse, no job, and owed over 100,000. Know what I did? I found some side work. Then found more side work. Then found a full-time job and continued the side work. I worked 90 hours a week for FIVE YEARS!! But do you know after five years I had paid off over 100,000 in debt?My point is this. To pay off debt you first must no longer take on any MORE debt. And sounds like you did that so great start!! Then to pay off debt there are two ways: Make more money andor spend LESS money. I did both. So find a way to make some side money. You say you have a college degree. Are you good in difficult subjects like College Algebra? Statistics? Economics? Physics? Then tutoring is a GREAT way to make extra money!! When I lost my business while looking for a job I started offering tutoring services and within about 3 months was making between 100 and 200 extra every week. If that doesnt work do you know how to fix sprinklers? Mow grass? Paint houses? Then get some free business cards and start handing them out all over the neighborhood. These types of things are ALWAYS needed and can easily make an extra 100 or 200 a week.Do you like making birdhouses? Fancy wooden shelves? Some other hobby? Then start an Etsy store and start selling your items. Might make an extra 100 or 200 a month.Just think out of the box. DONT allow yourself to say there is nothing you can do. EVERYBODY has the ability to make an extra 300 or 400 a week by doing on the side what they are good at and what they like to do.And with an extra 300 or 400 a week you can have just about all your debt paid off in a year or two. 