<prompt> Human: Hi all!Let me first state that for the past 7 years I saved every penny I had and stayed out of debt. Im still kicking myself that I shouldve went back to school I jumped from job to job and worked in various ecommerce companies to get their products online. Last year I made the decision to try out selling for myself and jumped head first into the world of business. Let me say that it wasnt a very good decision as I quit my job, had no plan, and now have 6500 in credit card debt with no degree. The business I started hasnt seen much of a return on my investment and I decided to close my online store and get my life back together. I have so much experience in the ecommerce world, but every company Ive come across just doesnt pay anything above 15hr. I understand that Ive put myself in this situation, but im trying to shift my life into the next gear. Since this business hasnt really worked out I started a job as a waiter at nights to get some income really flowing. I dont work very many nights, but I average about 300 per week. In the meantime, Im applying for day jobs and looking at applying for community college. College was always at the back of my mind, but now its clear that if I dont go now that Ill be in my mid 30s by the time Ill get a degree. Personal Finances situation:I dont have any car payment paid off, rent, insurance payments or phone bill Taken care of by parentsI spend about 150 in gas every month, 150 in groceries, and stash about 200 every month in an emergency savings account.Ive been paying off about 300 100 each every month on credit cards and have stopped using them completely.Heres the current credit card situation:Credit Card 1: 1413.36 Balance with 24.4937; purchase APR 3200 LimitCredit Card 2: 2095.09 Balance with 23.7437; purchase APR 2500 LimitCredit Card 3: 3000.15 Balance with 0.0037; introductory APR 3500 LimitA day job is a necessity right now of all things, but is going to school the right decision on top of all this? Is this a recipe for disaster? Should I just join the military instead? lol TL;DR: No day job, night job pays about 300 per week night, need to pay 300 per month. Is going back to school a bad decision on top of all this?  <response>: So the biggest step is deciding what your degree will be, because even going to community college without an idea of what you want to do is not very smart. 