<prompt> Human: So.. Currently, I have no idea what to really do to dig myself out of a hole I got myself into. Im about 73k deep in student loans with another year ago to bring that to almost 100k. My family would only offer to cosign if I went exclusively to Sallie Mae because one of my aunts and one of my cousins went through them. Im working part time at a business Im going to leave out of this for MAs minimum wage of 10hour. I get about 20 hours per week during school and was hoping for more this summer but am not getting it unless people call outhave vacation time. Ive had a balance of 0.00 in my checking account and 2.03 in savings for the past week. I took out a credit card during the school year to help me get by with the hopes that the expected increase in hours in the summer would let me pay it off, so I currently have about 1,300 in credit card debt as well. My rent is 600month, but currently Im stuck taking that out on my student loans too otherwise I wouldnt be able to afford a place to stay because thats more than I make in a month before food and other bills. My student loan interest is aprox. 12.3 with my last year possibly being 12.8. There are too many things going through my mind right now to ask specific questions. I know its kind of out of nowhere and I probably have made some serious mistakes already. My parents credit is too poor for them to help me with student loans, they dont make enough to financially support me beyond car insurance and a cell phone which, admittedly, helps a LOT because otherwise I wouldnt be able to afford either of them. I dont know if something like EBT would be an option or not for food because they just filed me as a dependent on tax stuff I honestly dont understand in the slightest. I feel like I dont have enough income to properly budget while I cant even manage to keep 10 in savings while still making it by on my paychecks between Sallie Mae wanting 100month starting next month up from 75 and the cost of food and gas and such, as well as required software and textbooks for classes and in some cases computer hardware to run software required for classes properly, etc. Does anyone have real advice on how to dig myself out of this hole?  <response>: First step is to utilize community services set up for people in your situation. Food shelves are great and can really help out, dont feel bad about using one, its what they are for. See what sort of counceling services are provided at your university and talk to someone about your concerns, they will direct you to resources that can help. 