<prompt> Human: hi everyone, thanks in advance for your advice. Im in a pretty hopeless situation so looking for help. I knew I really had a problem when I have not had a single penny for the last 2 weeks and had to rely on friends for survival. Here is my situation:Im 31 yoIncome 55K per year, take home per month is around 2500.00Debt: Here is the problem the minimum payments are starting to add up and are living little and little to live on. Credit card 1: Balance: 10,000 9.9 Minimum payment 302.00Credit card 2: Balance: 12,959.64 17.24 Minimum payment 313.00Private Loan: Balance: 17,284.33 10.375 Minimum payment 175.83Living Expenses:Rent: 500Child support for one child 500Groceries per month 200.00Cell Phone: 60.00Utilities: 50.00 I get paid once a month, so after paying all my bills in the first week im left with 400.00 for the rest of the month, for eating out, entertaininment, gas for car, clothes, and other misc expenses. I took out a payday loan and was trapped in a endless payday loan cycle for about 6 months where I had to keep taking out a payday loan to pay the last payday loan. Think I will be free from this cycle in June. My question is are there any good debt management programs out there that people can recommend? Also, when should I think about declaring bankruptcy because Im struggling right now just to meet the minimum payments. I want to save money so I can plan for my sons future, but Im falling deeper and deeper into debt each month. Im looking for a way to climb out of this debt hole. Each month, I take a cash advance of 200.00 from one credit card bc I cannot make it through the month. This is a big sign that I need to get my financial house in order. Even with that added 200.00 I still was only able to make it to May 15, 2013 before I was down to 13.00 in my checking account. I have no savings, and no other funds that I could access, so I had to rely on the kindness of friends for the past 2 weeks for survival.  <response>: You dont get entertainment if you are broke. You dont get to eat out if you are broke. Some of your credit cards arent going to get paid. Your food lights and shelter come first. Child support goes in the necessity category as well. The first step to getting out of debt is to stop borrowing. Advances and payday loans are just getting you deeper. Stop. Cut up the damn cards, and one or more of them are just going to have to wait to get paid. Your entertainment from now until this is fixed should be something like this 