<prompt> Human: Let me start off by saying, I know people have it worse. I dont have an insane amount of debt, but what I have has stressed me into frozen mode. I dont know how to deal with it. I have 40,000 of school debt, 5,000 of credit card debt, and my card is currently over the limit, I owe the IRS, I have to get my car fixed, I have bill collectors calling me, I have various others debts such as medical bills and some vet bills. Its too much, I dont know where to start! If I could just tell all my debt collectors to pause and I could pay them back one at a time, that would be great. But I cant afford to pay everyone, especially not the whole monthly payment! Advice!! Please!!updateFirst: thank you guys, SO MUCH for all the advice, I really appreciate it more than you know! Just knowing Im not alone in this makes the world of difference. Second: Heres my budget: Income: I work a full time job, I make 13hr as a line cook at a local upscale restaurant. My paychecks vary between 750-850 every 2 weeks. My billsdebts: Monthly: rent-454car insurance-205car payment-126phone bill-107gas-est. 70mo.credit card-min. balance est. 50mo but I try to pay more currently owe 5300, while the max is 5000...sooo...little overmaxed out...groceries-this varies. My fiance has a 7 yr. old son, so as much as I could live on rice and chx breast, the child and quite honestly, the fiance wantneed more. : I could live off 100mo. working in a restaurant helps! free food! but thats not reality. We probably spend 300mo. Student loans: loan 1: 50mo income based repayment planloan 2: 85mo has been deferred many times, but I keep doing it!loan 3: recently I was contacted by a collection agency saying they were collecting for a loan, when I asked for them to send me the paperwork regarding the loan, they said they couldnt bc my mom was the one who originally took out the loan for me so they could only send it to her, but she lives quite far away. I thought it was pretty sketchy but I didnt know how to approach it. They continued to blow up my phone, calling several times a day and now have recently stopped...which relieves me, and scares me...Vet bill: this is from a previous pet which is no longer with us, but I owe around 200IRS: State: 200 Federal: 500 : AND ON TOP OF EVERYTHING my car started acting up last week and I have to take it in and get it looked at!! Luxuries: smoking: est. 50modrinks after work: est. 40mo. My fiance makes about 18hr, so he usually pays for our excel energy bill, our comcast bill, hell buy beer and groceries and take care of things because he knows I cant afford it. He pays his bills, we share some, and I pay mine, which I think is fair. I hate asking him for money, but as of late, Ive really had no choice. I feel like Im drowning and I dont know where to start and it all feels really hopeless, but I know its do-able. Ive started some side-job things to incur extra income, but its a work in progress.  <response>: Whats your monthly take home, budget, and all debts with minimum payments and interest rates? 