<prompt> Human: I owe 11k in credit card debt, Im making about 2,500mo and after expenses I have about 700 left over. I try to pay 400mo towards my credit card but, the fees pretty much equal that payment every month. I tried to get a new credit card to transfer my balance with no interest for a year but the biggest line of credit I was offered was only 1000. I also tried to have the company close my account and work out a consolidation plan but they said they dont do that Wells Fargo. I would appreciate any suggestionsAssistant: Can you provide a breakdown of your monthly expenses? Things like rent, entertainment, dinning out, groceries, auto payments, insurance, etc. This will give a better understanding of how you could allocate your finances to pay off the debt. Human: 1000 rent215 car insurance150 car payment100 gas200-300 food65 phone150 water power70 CableI was on the phone with my bank and they asked if I would be interested in a hardship program to reduce apr from 26 to 10 for 12 months but unsure how that will affect my credit given they will close my account  <response>: You might have incorrectly formatted line breaks. To create a line break, either put two spaces at the end of the line or put an extra blank line in-between lines. See Reddits page on commenting for more information.I have attempted to automatically reformat your text with fixed line breaks.--- 1000 rent 215 car insurance 150 car payment 100 gas 200-300 food 65 phone 150 water power 70 Cable I was on the phone with my bank and they asked if I would be interested in a hardship program to reduce apr from 26 to 10 for 12 months but unsure how that will affect my credit given they will close my account ---I am a bot. Contact pentium4borg with any feedback. 