<prompt> Human: I think Ive finally reached the breaking point. Im in over my head in debt and it feels like Im drowning. I dont think I should feel this stressed as a soon-to-be 24 year old. -I have 180 to my name.-behind on rent to a friend; not a company by 2,000. -My cable bill is a month behind this 16th. -I have hundreds of more dollars coming out of account per month to various things. Job: I recently acquired my Bachelors of Arts in English at university. Applying everywhere but no luck. I serve tables part-time and money is hit and miss. Id say I make 100 weeklytips on average and about 150 extra bi-weekly in hourly pay. So lets say a cautious 700 a month. I dont see a way out and its affecting everything I do. I lay up at night, wallowing and dreading the coming day. Irritated all the time. To boot, my student loan payments on 40k borrowed-- become due in a few months, which Ill have to pay monthly. So Im scrambling to get a full-time job by then. Do I file bankruptcy?Debt consolidation loan?Fake my death?Help someone.Edit: You guys have given me hope! Im starting right away. Thank you so much!  <response>: Youre not bankrupt - you have an income crisis. If your student loans are federally insured, they arent bankruptable anyway. Your priority is WORK and catching up on your rent. You need to work like an animal man. Its Christmas time for gods sake, theres tons of income opportunities available.. delivery companies pizza, amazon, favor, retail, tend bar, you name it. Stop laying around worrying and get after it! Oh: And the last thing on this planet you need is a loan of any sort. Youre in debt already man, you dont need anymore. Get to work! 