<prompt> Human: So as the title states, I have a bunch of debt and I just dont know how to deal with it anymore. Im living week by week, working a job that I cant stand only making 12.75hr. I dont have any education under my belt other than a High School Diploma. 6 thousand of it is my car loan which I have refinanced once already and got my rate down from the initial 13 to 8.2. That loan is now through my credit union. One credit card is through another credit union and I had to take it out because I had to put a new motor in said car. I couldnt afford it and they wouldnt give me a loan because my then credit score at the time didnt have a long enough historywasnt high enough. The rate on that one is 18The rest is credit card debt I have accumulated over the past 3 years due to horrible spending practices. I was living on my own and the months I couldnt afford stuff I just through it on my cards. I was incredibly stupid and opened up an Amazon Store card, another credit card through my credit union, and two credit cards through Capital One. My initial plan when I got my first one was to use it sparingly and build p a good credit score. Well, as you have been reading, I did not follow that practice and now face what seems like an absolute wall of debt that I dont see a way of working around.Ive given up at this point. I cant get a better job because of my education. I just did a bunch of damage to my car and have no way to pay for the probably 600 repair im going to need to fix it. My payments ad up to more than 350month and thats making just over the minimum payment.Bankruptcy seems like a valid option to me at this point. My credit score will be ruined, and it will be pretty hard for me to get anything I need out of anything housing loan, apartment, anything but I really dont see another choice.I live at home with my parents. The 3 years I talked about earlier is when I moved out with my girlfriend at the time. We had plans to get married but after our third year she dumped on me that we werent going to continue to live together, that she was mad at me for where I was in my life, and that she was seeing a friend of mine. So I was forced to move back home about 6 months ago and just deal with it.I cant continue living like this. Ive tried budgeting and Ive tried literally spending NOTHING except for on bills. Im still drowning with what looks like no escape.If you guys can give me another route other than bankruptcy or something like winning the lotteryEDIT: I appreciate all of the solid advice guys. You are definitely right. There is no easy way out of this so I just need to accept what needs to be done and get to it. I guess I needed the kind words more than anyting  <response>: So you have terrible spending habits. You refuse to fix those habits. You want to file for bankruptcy... and then what? End up in the same spot? Its like having a leak in a boat and you flip it over to dump the water out before you set sail, but you still didnt fix the leak so youre just going to drown again. First, 15k is doable. Second, 12.75hr isnt how you want to live. Education or not, find a skilltrade. Take some classes not college classes. My fiancé works in retail making more than that while shes finishing her masters. Theres got to be something out there. Start investing in yourself. I dont know if your girlfriend was right or not, but you say you dont make enough money, you hate your job, and you cant do any better... thats one big ball of pessimism. Start looking at something better. You seem like youre ok with your situation. You obviously arent, so do something other than say I cant. Start tracking your expenses. Stop spending like you had money. Have some will power. Youre single and live at home. Theres nothing forcing you to spend too much. You dont have to take out a girl on a date or pay rent and utilities. This is the time to get your shit together. 