<prompt> Human: Im a single female with 35k in CC debt house improvements and more in student loans undergrad, grad and will add law school soon. I start school in August and know that by December of 2018, my position at work will most likely lose its funding. At that point, if I dont have another job, Ill just go to school full time. I work in government and Im on year 4 of 10 of the public service forgiveness program. Thus, Id like to pay down as much debt as possible while saving some money. Is this doable?My finances are as follows: Net income - 4400 a month AFTER taxes so about 75k a year. Three times a year, I make 2500 doing side work for a family friend. Mortgage - 745 but this will lower in June due to escrowCar- 250 plus 800 a year for insurance, 210 a year for platesregistrationStudent loans - 220 on IBR for fed loans, 585 for private loansUtilities - 370 gas, electricity, internet, and waterCredit cards - Roughly 1100Balances on them are: 14k, 14k, 3k, 3k, 1.5kGroceriesEating OutPersonal - Ugh, this is where I am terrible. I eat out A LOT. I know I need to cook more but my work is rough 65 hours a week and this leaves me with no will to cook.Savings - virtually none. I spent all my savings for my house down payment and repairs. Finally, Im attempting to buy the adjacent lot next to my house. My banker has said that it may be possible to refinance the two loans, buy the lot, and take out a bit more money to pay off one of the credit cards. Is this true?My parents didnt teach me a thing about personal finance other than buy a house. I have money in a pension that is taken out every month but who knows if Ill ever see that.  <response>: I think you need to speak with a financial advisor who can help you look at your situation and plan realistically. It sounds like you have a pattern of making financial decisions without fully thinking about the consequences. First off, you bought a house that needed 35k in repairsimprovement that you couldnt afford, and then rather than taking out a bank loan for them at lower interest rate you put them on a credit card. Youre already in debt for two degrees, now you want to add a third, and your answer to the prospect of getting laid off is, oh well, I just go to school full time. This all sounds extremely irresponsible and naive. You need to stop spending and get your debt under control, not add more. 