<prompt> Human: So this is a throwaway because Im ashamed of having gotten to this point. My finances are completely wrecked and I need advice on how to treat this emergency debt situation.So Im a full-time student that has idiotically built up a ton of credit card debt. I graduate at the end of this year, so I had planned on using this school year to pay down my cc debt, but that is proving to be nearly impossible.Alright, so I owe 6,994.97 in credit card debt on a single credit card Amazon Rewards Visa with a 20 interest rate. I have tried to get another credit card, credit line increase, balance transfer, or personal loan, none of which I qualify for presumably due to my student loans andor cc debt.My income for one month is around 600 as I can only work part-time as an intern on federal work study. I also picked up a job doing audio transcription from home since schoolinternship makes working normal hours anywhere extremely difficult, but it is obviously not lucrative at all and probably brings in 40month at the most.The following are the bills I pay each month:Rent - 766Household bills - 40 my share w 3 roommatesCell phone - 100No cartransportation costsNo groceriesspending on foodTotal: 906 in billsSo obviously my bills are much more than my income each month. I do also receive a financial aid disbursement each semester, but I was only refunded 1,500 for the entire semester Aug - Dec this time and I have finally run that fund dry. I am panicking now because although I havent used my credit card since August, I still cannot get on top of this debt. I cant afford food, Im certainly not going to be able to afford Christmas at all, and I cannot even pay my minimum amount due on my credit card.It seems to me that its pretty much hopeless at this point unless I can somehow get another part-time job very quickly which Im pretty much spending all my free time applying for, but if there is any other advice anyone can offer, I would really appreciate the help!  <response>: As someone who is far worse off than you are I can tell you its not the end. Breathe.First of all you can call your credit cards and ask for an interest freeze. Explain you are going through financial hardship and intend on paying them.6k isnt terrible. I have 2 cards currently with that balance. 2 mortgages 2 different properties and school loans. Currently working on consolidating all of it into one lump. That will take me an excruciating length of time to pay If you cannot make the minimum payments call ahead, typically you can save yourself a ding or you can grin and bear it. 