<prompt> Human: Hello Personal Finance,Im dropping out of school for a semester because I just couldnt handle it emotionally . And now Im seeking advice as to what I should do next. I have 1k saved that will not last long and I hope to get a job in January, as I am finishing this quarter that ends in December. I have 400 bank credit card debt. So far I no idea about life and pending financial troubles are dawning on me and was hoping to see some outside perspective on managing money wiser like saving if possible 20 or creating Roth IRA account which I have 0 idea what that is. Anyways Im not that smart and any tips life advice on finances or life advice in general is very appreciated.  <response>: First dont wait to get a job in January, go ahead and try to get on as soon as possible. Companies are hiring on more people right now due to the holidays and while it might only be part time now, if you show you are a good worker, you could get a full time job out of it. even if you get laid off at the end of the season, it will help you get through the months.If you have school loans, see if the companies holding the loans will defer them for a while. Some will do deferments only on a month by month case and other will sometimes give you up to 6 months. Deferring the loans makes it to where there will be no penalties for not making payments during those months. The only downside to this is that they have a limit to how long they will allow you to defer them, so be sure to save money so when the deferments are up, you wont have the crash of sudden payments hit you. If you are not sure where your loans are being held, ask the financial aid office of your college, they will know.If you rent an apartment instead of living in a dorm, talk to your landlord to see if there is anyway to do partial payments for a few months until you get on your feet and then pay what you owe them off. Not many will go for this but some will so it is useful to ask, just dont be pushy about it, the last thing you want is a pissed off landlord. If they say no just thank them for their time and go off to do whatever you were going to do after talking to them. If you live in a dorm, start to look for affordable apartments, you might have to live in a not-so-nice neighborhood for a bit but you need something affordable so you dont end up on the street.Dont feel too proud or ashamed to ask for help from your family and friends. While they might not be able to help you by giving you money, they might know a place that is hiring or give you a temporary place to stay. Even if they have nothing to give but an ear to listen to, be sure to thank them, they will love you for it and it will help to make it to where they wont get burned out to quickly by listening. If you do stay at someones place, even just a few hours, clean up after yourself, you dont want to lose friends over being lazy. Also ask them if you can do anything to help them while you are there, it will show that you are not just using them and that you want to pay them back in the only way you can, by helping. It will be tempting but dont use the credit card unless you are in an emergency, i.e. havent ate for two days or youre about to get kicked out of your apartment and have no place to go. If you do use it then pay it off as quickly as you can, you really dont want that interest building up to add even more financial worry on your shoulders. If possible, apply for food stamps, it might take a while to get a job so it will be good to have a way to eat. This can sometimes take a while and you still might not be able to receive it, but it is worth a try.I hoped this helped and Im sorry if it was a bit long. If you have any questions just ask here, even if I dont know the answer, someone else might be able to chime in with an answer. 