<prompt> Human: I just graduated a year ago and Im still in grind mode trying to find work in my field. I trained in Graphic and UX Design. Meanwhile, I work a sales job where my pay fluctuates heavily. Im in the process of finding an additional part-time job. But with being a new graduate it will be a while before I build up enough experience to get a high paying design job.Also, I have terrible credit 560 since Ive been struggling with payments and have high debt. I was maintaining when my commissions were high but now its the slow season, I really need an extra 500 a month to maintain. However, I would have to work over 60 hrs a week to do so. I want to pay for everything but I need to keep my sanity too and have enough time to work on my design career.I just got this car because my old car was not doing well in Denver needed a lot of repairs. Its a 2015 Fiat Pop. I dont think I can sell it and even break even. FYI Denver car insurance is ridiculous. 160 is the absolute cheapest I could find. I live with roommates in a house. 600 is pretty cheap for Denver.I graduated at 24 because I was in the Air Force Reserves for 6 years. My training took a year and some change. I have 2500 in my military retirement acct Thrift Savings. I can cash it out but at a huge penalty, Id probably take home 1600. However, I could catch up.Income - 2000-2700 mo after taxesLately, Ive been only at 2000Credit Card Payments - 300 mo Total debt 13k interest 2-24 Debts on several different accounts.Student Loan - 438 mo this is interest only 76K totalPrivate Loans are in repayment at 1137; interest. Federal is not.Car Payment - 250 mo 1037; interest Total 12kNot paying because I cant affordMedical debt - 195DMV Ticket - 500Old Tolls - 50Overdue Taxes - 112Living ExpensesFood - 200 moRent Utilities - 600 moCar Insurance - 168 moTV - 35moGas - 50 mo Phone - 80Website MaintenanceWeb builder - 10moEmail - 5moMiscCat Food Litter 70 Every Two Months Cat has an allergy expensive food Two cats Sometimes it takes longer for them to finish it and it cuts me a break this food makes them eat less.Hair Stuff Every Three Months 40 Black Woman Hair stuff Conditionier etcExtra Food -snacks etc This number is generous since my paydrop I might buy one energy drink a day. 50-100 mo Movie 24 do Once maybe every 3 months  <response>: Student loan debt is only dischargable in bankruptcy if you can prove repayment is causing undue hardship. I recommend discusing your situation with a bankruptcy attorney in your state to determine if you can prove this. 