<prompt> Human: So Im pretty fucked. I have about 22,000 in credit card debt and loans. All of which are pretty high APR - average of 23.5 total. Cant get approved for any loans to consolidate, cards are maxed out, living paycheck to paycheck. Thanks to my stupid adolescent financial decisions I have dug myself a hole I cannot get out of. Im making 13 an hour working full time, usually getting an hour or 2 of overtime. On the low end Im making 2080 a month before taxes, around 16-1700 net, but usually more. Im single, no kids, live with boyfriend. Luckily he pays 23 of the rent because his income is much more. But we split the rest of the bills 5050. Rent is about 415 a month, car insurance 70, internet 25, phone 55, renters insurance 7, electric 60. Plus about 200 for groceries and 80 for gas, all totaling a little less than 900. Plus my debt and loan payments. Spread across 6 credit cards i know, im dumb, minimum payments are about 409. Plus student loans at 103 a month. So all of that together is about 1430.00 on a good month, but before I made some changes this month I was spending a good few extra hundred on food and random shit. Sometimes I eat out or need extra girl products or whatever comes up and usually just break even with no money to save or pay more than my minimum payments. I just changed car insurance companies to pay 70 instead of 150. I cancelled netflix, spotify, and prime. I know Ill need a new car soon and dont see how Ill be able to afford a car payment, and I know I need to not eat out and really watch what I spend. A lot of it is me being stupid, but whats really killing me is my credit card debt and I feel like I can never catch up and just get into more and more debt. I was looking into using Consumers Alliance Processing Corporation, but dont know enough about them and dont trust anything. HALP.  <response>: Best place for broke people? Work.Look into getting a second job, a third one. Spend a few months hustling, working like mad, and pile all that extra money up so that you can get rid of that debt as soon as you can. You might suffer a little now, but youll thank yourself later. 