<prompt> Human: Sorry if this doesnt belong here; if it doesnt, please let me know where I should go instead.I need some kind of guidance. As of today my family is out of money. My parents small business customer base has essentially disappeared new website hosting and something I wont go into here; my fathers pension from overseas arrived and immediately went into the MasterCard debt my parents have accumulated; the savings of my sibling and I have been used specifically borrowed with consent to help deal with costs. Im a 20-year-old uni student Aussie citizen using HECS to get through in the middle of semester and my sibling is in their final year of school age 17. My father has admitted he doesnt know what to do and my mother is pressing me to find employment as a result.I dont know how I can get out of this hole, let alone my family. I intended to find employment after the semester finished to avoid a massive strain on my uni scores, but given we dont have any money right now means I dont have that luxury of time. My parents are not high income earners and each apparently earned 28,000 each in the last financial year. The house that I believe theyre still paying off has been valued at 700,000. We have four vehicles my father isnt the wisest man, split as such: car for my mothers use as she and my father operate on different schedules; a Smart car that just sits in the garage bought for 10,000 so its resale value has got to be less; a van for my father to use; a work van for my parents employee to use when he goes on service jobs. My parents are still paying off the loan on the last two vehicles and thus they think itd be pointless to sell them. With a complete lack of business at present in conjunction with all this, things are looking dire, in my opinion.To put the aspects of the issue into neat little boxes: Multiple credit card debts Tax debt of 1600 was being paid off in monthly instalments Maximum amount of loans my parents could take out reached All four members have medical costs month-to-month point is theyre unavoidable costs Savings accounts of my sibling and I cant be replenished due to lack of money Business has dried up so no revenue this is not something I expect rpersonalfinance to deal with, its just for contextRight now the family has zero direction, so any pointers would be greatly appreciated. If any more information is required, Ill provide it as soon as possible.Thank you in advance.  <response>: Honestly dude you need to leave your parents to it and concentrate on your uni. Getting a degree as long as its not in physical therapy is absolutely life changing and will ensure you dont end up in their boat. As much as it sucks they got themselves there and you cant help them.I would suggest move into a student flat, get whatever your version of Student Allowance is, supplement with part time job, get your degree.You cant ultimately help them, you can only enable them and seriously impair your own life. In my experience people who are bad with money are always bad with money, only those who save themselves improve. 