<prompt> Human: The short: Im a 27y.o., survivor of sexual abuse, living with PTSD and depression, and facing almost 65K of debt. My personal story is not pleasant, but I persevered to survive. Along the way to recovery, however, I made some very bad financial choices and feel like its almost too late to rectify. I have my emotional health and life together now, and have found happiness in love and friendships. However, the financial hole I dug myself into is not getting all that better. I would like to do everything I can so that I do not become a burden on my incredibly loving partner. I would also like to be pre-emptive so that I do not face any further negative ramifications. I paid off the first two years of college during it with a simultaneous job. My family was unable to help me financially with my education. In University, I was able to maintain an average B level GPA, was on the student government, was president of an organization, and in an honors fraternity. After graduation, I found work at various office jobs - despite that my degree and heart is in the arts. I put aside following my dream because it didnt pay my rent. Ive been doing what I can to make ends meet. Ive spent the last four or five years working to try to pay down my loans and try to get a job that will allow me to do so. The past year has been hard financially, and I now only have a job as a host at a bar for 10hour for about 30 hours a week, because it is better than no job. I am moving to weekend bar-backing there soon, at 10hr plus tips, and to act as the fill-in bartender while I learn. I know Ill be a great at it and start making more money soon, but Im scared about my car getting repo-ed and my other bills piling up while I work my way up. What can I do? My credit score was 720, but has now completely tanked. I have no active credit cards, so there is no more spending on those. I do not go out, I do not shop, and every paycheck I make goes to my bills. My partner and I split rent and utilities, and hes aware of my financial situation. Monthly rent: 350 50 Utilities Misc monthly costs: 100phone contract ends in May and I can go down to 45month if I keep the same phone and no new contract., groceries, and gas to get to work approx. 50 every three weeks. My car: 280mo - Ive paid off two out of five years total already, and it was the only thing helping my credit right now. However, Im now two months behind because my checks havent been able to cover it. I have to have it to get to work, and I know I wont get a better interest rate than I did for many years since I tanked my credit. Total outstanding due is 11,188.77 at 2.5 My insurance: Was 125, but they cancelled my coverage when a check bounced. I need new low-cost insurance despite my bad credit. School loans: I have 60month that I actually pay. And the rest is on hold until I prove my income level, and my application for income-based repayment goes through. AES Loan 1: 5,363.31 at 2.85 AES Loan 2: 2,274.66 at 2.08 Sallie Mae loan 1: 6,460.96 at 8.25 Sallie Maegov loan 1: 20,727.51 at 6.38 I was able to consolidate a ton of small loans into one two years ago and bring that interest rate down. Sallie Maegov loan 2: 5,376.42 at 6.38 Total school debt: 40,202.86 The majority of my credit card debt is foodrent that I stupidly charged while not making enough to live during college and early post-college when I didnt have anywhere else to go. I kept thinking Id land a great job with my degree and hard work and things would get better. Im a dumb-ass. I know that now. Credit card 1: 3,210.51 Credit card 2: 677.53 Credit card 3: 6,112.00 Im on a 12 month repayment program with them for 180month to bring my account to good standing. Ive been able to make the first two months on time. It takes all the money thats left after rent, utilities, and my phone bill in order for me to keep this arrangement. Credit card 4: 3,336.86 21APR on the original card. Id been paying 90month for six years, took a long time to figure out why it wasnt going down. Bought it out with a loan from my credit union, with a lower interest rate, but have since defaulted on it, as I went through a catatonic state last year and lost track of my bills. Definitely the dumbest thing Ive done and the first thing Id like to get back on track. Total debt cards school loans 64,728.46 Income: 10hour, 30 hours a week. Approx 300 per bi-weekly paycheck, after taxes. I know my personal circumstances are not excuses for my financial situation, and Ive made some bad choices. However, battling both PTSD and poor financial choices is a very hard thing to do at the same time. I am having a very hard time sleeping while worrying so much about finances and the two do not mix well. Any help is greatly appreciated. It took a lot to post this.  <response>: Well its going to be toughalmost impossible to pay off all your debt working one job at 10hour. What optionsskills do you have to find a better FT job?What about a second job?Also, I recommend Dave Ramsey. 