<prompt> Human: Recent college grad. Job doesnt start until September. Havent been able to find another job in the meantime. Currently saddled with late payments and minimum payments from my Paypal and credit card accounts and all their late fees. Absolutely no way I can make them since I have a limited savings. Called them both and spoke to a debt relief agency. Since I have no steady income, none of them can offer any a renegotiated financial hardship minimum payment plan within my means. Credit card is already past due, probably not going to be able to make the minimum payments they want until my job starts.How screwed am I?Living with family, no income, no real assets besides my clothesAssistant: You cant even get a minimum wage job somewhere like a McDonalds? With no income until September, credit card late fees and interest are going to make it harder to pay off, as well as damaging your credit score, because those accounts will show as delinquent.How much credit card debt do you have?Human: From my credit card, around 2.1k. From paypay, 1.1k. Yeah, Ive applied to the minimum wage jobs within my means to travel to in my area which isnt the most commercial, bit in the middle of nowhere and since January none have given me a call back. I chalked it up to either being over-qualified on account of my degree or my total lack of retail experience since Ive never had a job before.Assistant: none have given me a call back.One of my old tricks was to wait a week or two, then call and speak with manager and say that I was calling to follow up on the status of my application. Managers are busy and sometimes put hiring decisions on a back burner, so whoever calls to follow up often gets the job. Its a good way to pop your application to the top of the stack and get called in for an interview.Human: Good idea! There are a few places I can reapply to, but they require a 6 month waiting period before reapplication. Next month here I come!Assistant: Can you leave your degree off the application? I dont want you to sell yourself short, but if youre truly overqualified for the position, maybe omit your excellence just this once.Human: Hmm I could, but Im a little scared about the part threatening to put me in jail if I lie on my application about anything...  <response>: You wont be put in jail for not telling them you have a degree. If youre concerned, you can explain to the manager when you call that is a great idea that youre looking for a job that will keep you going for the next 4-5 months. A degree might even help you there by showing that you have some intelligence and will be quick to learn the systems at whatever job you take. 