<prompt> Human: Im 24 and Im considering whether I should file for bankruptcy or not. A little bit of background information on my situation: Annual salary of 30,000 from full-time job. Monthly take home pay of 2,200. 9800 personal loan at 35.91 APR for 48 months 500 monthly payment 7200 personal loan at 27 APR 48 months 210 monthly payment 30,000 car loan at 10.99 APR for 72 months 550 monthly payment 30,000 federal student loans ranging in APR from 3 to 6.8 deferred 586.50 monthly rent. 250-300 monthly car and renters insurance. 115 monthly cell phone payment. 170 monthly orthodontic payment. 312.21 monthly gasolineother debtmiscellaneous. I just accepted a part time job for 8.70hour. I told them that I could work 15-20 hours a week, but thats not guaranteed, and Im not sure how much of that will go to taxes. I really need some advice on what to do.Edit: Regarding the car. I bought a 2013 Ford Fiesta in July of 2013. It had transmission problems since the day I got it. It has been in the shop a lot to try and fix it. I talked to Ford and they have no way to fix it permanently. I traded in that car for 5000, and rolled the other 5000 left due in that loan into the current one. Edit 2: My plan for the current loan is to pay that amount for a year or two, then refinance to get a lower rate and payment, if I dont declare bankruptcy.Edit 3: I could always talk to a credit counseling service and roll the personal loan payments into a Debt Management Plan.Edit 4: Im currently figuring 400 to 450 extra per month from the part-time job.Edit 5: Im planning on moving to a cheaper apartment in July, hopefully my rent will go down by 100 a month. Im also hoping that my insurance rate will go down in May when my accident falls off and my insurance renews.Assistant: I think this is a bankruptcy case. You will lose the car very likely. Not sure where that debt came from, but youll need to figure out better budgeting next time around.Human: So, you think I should go ahead and declare bankruptcy? I talked to a bankruptcy lawyer and he told me that it would be 1400 for a Chapter 7 bankruptcy.  <response>: If you file bankruptcy, DO NOT AFFIRM THE CAR. You need to get rid of it. 