<prompt> Human: I really do wish that they required courses in college could include how to pay your taxes 101 or how to pay your student loans 102. But alas, they dont. I am funemployed currently and about to make a 3 month trip to volunteer in Peru with my SO. I technically graduates in May and have used up all my savings this month to survive and make some bad purchases. I owe about 75,000 in private student loans. And I have yet to look at my federal student loan debt. I have a credit card at my tiny little credit union with a limit of 1,500 that Im 30 away from going over. I dont know how to do anything. Or where I should go for help. I have 500 in my checking and 400 in a joint account at Charles Schwab with me SO for our oncoming volunteer trip. Im also trying to sell my car that I owe about 12,500 for and its worth just about that much. I have a phone bill for 80 a month. And as soon as I sell my car Ill cancel the 60 insurance I pay as wellAny and all advice would be helpful. Ive been a long time lurker and Id just like to put my situation out there and see what yall have to say.  <response>: You know something that puts you WAY ahead of everyone else in your class and beyond: you know that you know nothing. The others arent even asking this question yet. I cannot imagine how hard it must be to be in your position. But find some kind of job, something to do while you figure out what you must to move forward in your life. 