<prompt> Human: the first problem being, i put off college and have a crap job that only pays me 14 an hour around 40 hours a week. im about to declare bankruptcy with the lawyer being paid for by my parents. im looking to go back to school, but with how i spend my money right now, i barely make it week to week paid bi-weekly, though. ive tried using budget sheets, mint, and it just doesnt work for me. i have no self-discipline or control. what am i supposed to do? will student loans help me rebuild my credit? should i look for a second job? i feel like a dirtbag and its no surprise that no woman wants to be with me when im so irresponsiblepoor.  <response>: If you have no discipline, how do you expect to earn a degree if you do go back to school? You dont just get one for showing up.You have to work on the discipline first. I know that seems completely unhelpful, because it takes discipline to improve yourself, but its true.And the fact is, if you dont discipline yourself, the world will do it to you. Right now, some discipline is about to be meted out to you in the form of not getting any credit ever again. Use that to change your habits for the better, then go from there. 