<prompt> Human: I am a 3rd phd student in California, I have 2 more years to go. I completed my masters degree before I started the phd program which is how the CC debt got so high. I get payed 1600mo and my credit card payments are 500. My monthly budget is: rent 450 util 100 car gasinsurancepayment 260 food 300 phone bill 60My meager saving are slowly dying out and Im not sure what I can do besides ignoring the credit card company Wells Fargo Visa and taking the hit to my credit score over 750 surprisingly.  <response>: PhD and payed? you mean paid. 