<prompt> Human: Hello,I am a 22 year old undergrad student currently on my final semester of college finishing two B.A.s in in Economics, English and a minor in philosophy. Due to life circumstances I married young and am going through separation and a possible divorce. My monthly income can range anywhere between 1,600-2,000.My current expenses include:Rent: 645Utilities: 130-150Car Payment: 216Car Insurance: 155Gas: 160-220Phone: 40Groceries: 200Total: 15461660Many months I am barely making ends meet and as a result have late feesmissed many minimum payments on my credit cards recently. I do not allocate anything toward leisure or savings as I never have anything left over. Working any more than I arledy do is out of the question as well since I work close to 50 hours a week plus full time college. I have asked for as many extensions on my credit card payments as possible and the creditors pateince is running thin. How can I best tackle makingsaving some extra money to be able to at least clear my late fees and to be able to afford minimum payments until I graduate in May? Thank you in advance. Assistant: Gas is pretty high. Why do you drive so much? Are home, work, and school just far apart? Do you have roommates? How much is your car worth vs how much do you owe? Shop around for insurance too. reatcheapandhealthy can probably help you get your food budget down.Human: Unfortunately, 645 is on the cheaper side for where I live. And my insurance is pretty much locked in as well due to age and other contributing factors. I still owe around 10K on the car over a 72 month loan, it was necessary as there is no public transportation where I live. I can possibly reduce the food budget by cookingprepping meals but that still does not leave much extra.Assistant: How much is the car worth? Do you have roommates?Human: The car is worth just over 10K, however, I am paying it off on a 72 month loan. I dont have roommates, I had gone that route before and it ended up being disasterous financially as there were many factors out of my control.  <response>: Having a 72 month loan just makes it worse. You need to try and sell it. You bought way too much car.You need to find roommates. You cant afford your rent. 