<prompt> Human: Ive been with my boyfriend since we were in high school and now we live in my parents house. We live in a room of less than 200 sq. ft., share a bathroom with the rest of the household, and are not really allowed access to the kitchen so we do very light snack-groceries and a lot of fast food.My boyfriend makes more money than me, we loosely share our finances and were supposed to be moving out by April. Problem is, we have absolutely nothing saved.Personally, Im over 70K in debt and I havent made a single payment on my credit cards or loans in over a year... and in 2017 I had a car repossessed, so its safe to say that my financial situation is fucked. Also... Im 3 classes away from graduating with my Bachelors but I owe money to my school before Im able to enroll and pay tuition.My boyfriends plan is to get an apartment then get a car so I can transport myself to work instead of taking lyfts all the time... then save up to try and finish my degree. He thinks I shouldnt waste my time with the credit cards or loans for now. Honestly Im clueless and drowning.. What do I do?  <response>: These situations are so fucked. If i were you i would start by organizing my financial life. Download mint or any form of financial tracking software for your phone and link all your accounts to it so you have an accurate representation of how much money is coming in, where it goes and what is necessary. Seconds cut out everything you dont NEED. Needing and wanting are 2 different things and until you understand the reality of this you are going to struggle. When you owe the world 70k you dont get luxuries. Dont even think about moving out unless its absolutely necessary. As in your being kicked out. Once you get your income above your expenses and you begin to chip at your debt it all gets easier. You have to understand that this will be a grind and you have to be prepared to work for years to get out of this hole. On the upside if you actually accomplish this you will be better for it and likely will remain financially secure for the rest of your life. Side Note tho. Credit card debts and things of that nature are your top priority. Potentially look into getting a consolidation loan and cutting up all your credit. The student loans are a huge chunk but they also are the least vicious in regards to debt. If you dont get rid of all your credit cards you will max them out again. Ive never met someone who consolidated once but the system does work for mythological beings who actually stop using their credit at that point. 