<prompt> Human: I have a 23 year old twin sister who has a fiance and two children one 5 year old and a 1 year old. She works at a daycare center for significantly less-than-liveable wage, like 250 every other week, and her fiance works for a building materials company making about 400 a week. They have been struggling to maintain with their two kids, and rent just went up from 450month to 600month. This is the cheapest they can find, and the government assistance they qualify for is negligible. Neither of them have a high school education, but they work hard and dont get involved with any trouble. Theyre just trying to provide a stable life for their children, my beloved nieces. Their cars arent reliable and are always tacking on additional costs; they have absolutely no savings; their credit has about 14 outstanding cases that are hurting it; and they have to live with the pennies theyre left from each paycheck. As I am not experienced in their position, Im seeking out your opinions on how they can get on their feet financially. Tax season is coming up, and they will get approximately 5000. Also, my mother is willing to give up the 3000 she is going to get back. What optionsshould they consider? Thanks so much for anyall replies.  <response>: In their situation, I would be focused on paying rent, food, and transportation. Is public transportation an option? Collections are not a priority unless theyre about to be sued.They also need to increase their income. Is the daycare full time? Can either work a 2nd job? Have they already applied for SNAP, WIC, TANF, LIHEAP, daycare assistance, andor Section 8?Have they looked at educational opportunities? If theyre eligible for Pell grants or other assistance, it might be worth taking a job trainingAssociates degree program at a local community college. 