<prompt> Human: I feel very overwhelmed and sick to my stomach right now because Im not sure what to do. Both my husband and I are going to school full time. I also work a full time job. My husband says he cant work due to his schooling so I let him be. I get paid about 1545 every two weeks. This is a list of all my bills per month:My car loan- 221Husbands car loan- 379 he totalled this car so we are making payments to the company since it was charged off. We have about 5 months left to pay this offRent- 1245Insurance- 245Loan- 265Credit Cards- 150 Internet for school- 80Utilities- 220Gas- 180Food- 150Misc-100Emergency fund- 0 Savings account- 0I am paying way more bills then what I make. I feel stuck and dont know what to do. My student loans are deferred until I graduate so that will add on more bills to pay. I cant file bankruptcy because I feel that it will effect my clearance. My husbands tuition is almost 70,000 and he hasnt even started paying on it yet. I feel so alone in this mess and my husband doesnt even understand how much stress Im going through right now. Anyone have any tips or good advice? : Assistant: Anyone have any tips or good advice? :The only solution to your problem is to reduce your expenses or increase your income by your husband getting a job. 3k is livable for two people in most places but not if you spend 13 of your income on cars, insurance, and gas. Human: I agree with you! Its just that my husbands school gives heavy course work so it would be difficult for him to pass his assignments. Ive seen people do it before so I know it could be done. Assistant: If he can make 100night waiting or bartending he only has to work 1 night a week to pay his car loan. Human: You are absolutely right. We dont have any money right now for a bartending license right now and he will not work as a waiter since its too stressful for him. He has bad anxiety so he cant handle fast paced environments like that.  <response>: Will he be able to handle working 40 hours a week when he finishes his degree? 