<prompt> Human: My partner and i have a baby on the way. We are young adults in Ontario Her being 18, me being 19. We want to start our dream careers, she wants to be a wedding planner and i want to be an accountant. Both of us did not finish school but are desperate to complete it online as that is our only option currently and we will stop at nothing to give our baby girl the financial support we never got from our parents. Laying down our finances, we cannot afford the online courses as i got laid off and am now working part time at a pizza joint and looking for a second job. I am in a tough spot now as i have roughly 10k in debt that i can no longer pay off at a stable pace. this debt is from credit cards, car loan and a payday loan cycle i got stuck in. My credit score is now dropping drastically and currently stands at a 529. My car loan is a whopping 46 APR which i irresponsibly did not pay attention to when i signed the agreement. My bank overdraft increases weekly and i am heading further into debt and i have no one but reddit to turn to for help. Im stuck and am willing to put all of my hours of the day into a stable plan to get me out of this rut. I am usually great at pulling myself out of these situations but i am tired of putting myself into these situations in the first place. i have no valuable assets, no network of people to turn to and i am desperate for help. Any help is GREATLY appreciated. i am motivated as hell and the Reddit community is my last go to. Thank you in advance for anyone who can help me out. i feel like im reaching the end of the road.  <response>: First of all congratulations on your baby theyre such a wonder. OK so you need to get out of this car loan as soon as possible. Youre going to have to work your ass off and get a second job to pay it off as soon as possible. If theres anyway you can get another loan on a credit card or anywhere to drop the APR down to 15 seems like a smart approach.I would find some kind of advisor that is a professional that can help you with this.Everything is going to be OK you just need to get someone that smarter than all of us to give you great advice and help you!! ;- 