<prompt> Human: I work part time, and go to college full time. Im in my junior year. Im 28 years old. I pay for school by maxing out federal loans and paying the rest out of pocket. I recieve 0 in financial aid outside of federal loans. I do not qualify for private loans. I have no one in my life who could co-sign. I attend a public university in Pennsylvania, and they have the most expensive public universities in the country. My tuition is 18,500 a year. Ive been telling myself that if I can make it to graduation, I can use my new career to fix my financial life. I keep finding ways to borrow money and the minimums of those various ways are killing me. I need to fix it now.The company I work for pays 3,000 a year for tuitionstarting next year, was 2500 this year. My take-home pay varies. I make 15.40 an hour, and my standard hours per week is 24. I can work as many as I like provided I work someone elses shift or fill in a scheduling hole. Anything more than an extra day or so requires doing double shifts 16 hours because most of the extra hours are up for grabs on the weekends but I can only do so much before my grades suffer. I tend to pick up an extra day every week putting me at 32 hours. This gives me an average take home pay of 675 bi-weekly, so 1,350 monthly. Heres my financial situation:No emergency fund. No retirement contributions any more that is. I have a little retirement fund, but not much. My employer has a pension plan that Im vested in, but its only around 1,700 at the moment. I have around 1,500 in the 401k. It was bigger but I wiped out the 401k with a withdrawal and a loan. Only reason its not as 0 is because I wasnt allowed to withdraw more of it. DEBTS:- Credit Card 1171.98, 25.00 minimum monthly, 23.90 APR- Credit Card 2736.21, 25.00 minimum monthly, 23.90 APR- Credit Card 3649.86, 27.00 minimum monthly, 23.90 APR- Credit Card 42,003.59, 27.00 minimum monthly, 27.99 APR- 401k Loan:961.35, 20.64 minimum monthly, 5.25 APR. This loan comes out of my paycheck so its already paid and doesnt deduct from the 1350 salary above Id have 1,370 if this loan was gone- Salary Advance Loan through Credit Union:This one is a little in-depth and will take explaining. Original amount is 500. Every paycheck, they take 510 out of my account to pay it back original plus 10 fee. I then re-issue the salary advance online. This places 475 back into my account, and 25 goes into a locked savings account. The idea is that you eventually save up enough to unlock the salary advance savings and then you stop using it. I currently have 125.08 the account gains interest of the 500 saved. So the minimum monthly payment for this is 70 25 10 fee twice a monthCredit Card 4 also has deferred financing. The original amount was for 2000, and I still need to pay down another 1,773.81 by 041318 to avoid the interest, but I dont think I can pull it off. Theres currently 596.45 in deferred interest, and it goes up by 42.66 every month. This card will financially murder me when April hits and the interest is almost double the minimum payment. I think by the time April hits, the total deferred interest will be around 800 and will cause the balance to start drawing around 60 a month in interest.PRE-NETPAY EXPENSES or why my paycheck is so low:- 75 monthly charge for lease to park in garage at work downtown employer- 180 healthvisiondental insurance sucks being part time- the 401k loan aboveMONTHLY EXPENSES:- Rent: 200 for my part- Cable TVInternet: was 180, but dropped TV and got it down to 60. My half is 30 Comcast has a monopoly and I can not get this any lower.- ElectricGas for Apartment: Around 50-75 for my share depending on the season- Netflix: 5 for my share- Groceries: 200 for just me - Apartment Upkeep like cleaning supplies, etc: 10-25 depending on what were out of- Parking my apartment charges for parking: 30- Cell Phone includes data plan plus installment payments for phone: 90, could maybe get this down to 75 if I can cut my data usage down to under 2GB. Cant really move to a new carrier since Im locked in on an installment plan for phone.- Fuel for car commuter student: 120- Tuition payment for school: 250After calculating everything out, that leaves a little under 100 for anything else that comes up, such as school supplies, or medicine, or anything. CREDIT:According to Credit Karma, Im at 580 on Trans Union, and 554 on Equifax. FICO score from one of my credit cards show 622. This is different because I had 2 collections on my account. I disputed them, and they were removed from Trans Union, but Equifax will not remove them. Also, one of them is reported twice on Equifax and I still cant get them to remove at least the duplicate. So it looks like 3 collections instead of two. One of these is for 141, the other is for 71. Credit utilization is around 95. The simulator says I could expect a 90 point increase if I got the utilization below 10. No missed or late payments. I checked to see if I was pre-qualified for a balance transfer card, but can not find one that would approve me. I looked into a loan through OneMain but the interest was bad 28 and they want my car title, and I dont want to risk my car because I have a history of being bad with money. Credit union has fantastic interest rates but will not offer me anything with collections on my credit report. With this semester wrapping to a close, I have a few weeks between now and the end of December that I could work extra hours for to make some extra money. But I need to get a grip on my finances now. Especially because once CC 4 has 800 interest added, itll be drawing around 60 interest a month with a new giant balance and that will wipe out the rest of my income. I dont really have anything of value to sell except for my laptop but Im a computer science major and need it to do class projects. I have a 2008 car that I use to commute to schoolwork but its paid off and mine. Going full time at work is not an option because they dont work with school schedules for full time employees and I fear my grades would suffer from working 40 hours every week. Ive even been to the financial aid office at school and they just tell me to take fewer classes or apply for private loans. Thats the only change I dont want to make: I do not want to delay graduation Spring, 2019. Im lost. Ive slowly, and without realizing, destroyed my finances. My instinct tells me the biggest goal right now is finding a way to destroy the balance on Credit Card 4. But beyond that, Im lost on how to do it and everything else. Short of working some extra time over the next few weeks, Im not sure how to recover from this before it gets bad.Rip me a new one, PF. Edit: Thanks for all of the help. I got a free year with YNAB since Im a student, and I made myself a budget so that I can try to stop losing money in between the cracks.  <response>: You need to cut up all of your credit cards immediately. You absolutely should not be buying anything on credit from here on out.Then you need a very detailed budget. You need to account for every dime that comes in and every nickle you spend. You have to cut your expenses down to the absolute bare minimum Spend some time on rfrugal and really evaluate whether anything youre doing is a true need. For instance, that means you should not drive your car if theres any way that you can help it, since while that may not cost anything instantly, youre burning fuel that youll have to pay for.You should do whatever is in your power to pay off CC4 before the promotional period ends. Your very detailed budget will tell you whether its possible to scrape together the 400mo on average that it will take to make that happen.You may need to take a semester off, delay graduating by a few months, and get your finances in better order. Youre not going to be able to sustain yourself financially for another year and a half the way youre going anyway, so you either decide to delay things now or have them delayed when you cant pay your tuition anymore and everything else is in collections. 