<prompt> Human: Hi there,I am a recent graduate who had an okay job but then got laid off.Being stupid and paying the stupid tax I have a 35k Car loan4,782.11 On 1 Credit Card8850.00 On 1 Credit CardAnd I will be working this summer making 2.7k a month.What should I do? I will be returning in september to school?Assistant: What is the value of your car? Are you underwater on the car loan is the loan more than the value of the car?Either way you will almost certainly want to sell the car.Human: yes upside down by 3k  <response>: You are quite in a mess here. If you do not want to leave school with unmanageable debt: Do not spend a dime. That means no purchases, no eating out, no take out food, no clothes... Save, borrow, beg or steal kidding the 3k and sell the car. Transfer your CC debt to new credit cards with long 0 periods and limited transfer fees Keep a job even while studying. You cant really afford to have no income in your situation. 