<prompt> Human: I am 29 living at home, pay no rent I have offered but my parents feel sorry for me, I guess, car is paid off. My only expenses are my loans, cc, and insurance. All together I am about 35,000 in debt. I make 20hr before taxes government job. I take home about 1000 every two weeks after taxes, medical, retirement, etc. I have 7,730 in in private student loan with a bank 6.74 interest rate I also have 26,000 in unsubsidized student loans. Ive made some terrible life choices and bad decisions with money. I have no idea where or how to start a budget. Any advice on how to get out of this hole would be greatly appreciated  <response>: 1. Order debts highest to lowest interest rate then choose either avalanche or snowball method to pay them off. 2. Do not take ANY further debt on no matter how small. Practice saying no. 3. Save a nominated amount to get at least 1000 emergency fund behind you. Only use in emergency.Once you have done these things save more money.Tell your parents you are going to give them x dollars every week for savings until you have enough will power to do it on your own if they can be trusted and you cant be. 