<prompt> Human: How would you legally go about this scenario ?Getting to exactly 10k is not important, but 5-8k would make a huge help to avoid putting 10 grand on a credit card swipe.Few life changes have altered the entire budgeting plan and now its getting financially REAL. Debt is staring us in the face and if I can avoid the majority of 10k that would be great. I know this is a relatively small number to some peoples eyes of debt but debt is debt to me and I hate it.  <response>: Get a second, full time job that pays at least 40kyear. 