<prompt> Human: I am completely lost. I became the victim of a crime and fled the state I started a new life in, only to return home across the country. Its still an ongoing investigation. Moving back in with my family didnt work; my alcoholic dad kicked me out. I have been couch surfing since Feburary of this year. I am battling so much depression and anxiety that I cant focus on getting my life together, but I have been seeing a counselor since March. I have no parental figures so Im at a loss and need help coming up with how to budget to pay my debt. I currently make about 1500 - 2000 waiting tables full time. I take the train to work. I have zero bills, so I know im in a good position to financially rebuild. Below I listed my debts- 17,684.91 in Great Lakes Student Loans : These are currently due 518, as I am out of my 6 month grace period. I am terrified of using one of my 36-months of deferrment. I dont know know if I can focus in school to go half-time with my life situation right now. I am considered an Independent by FASFA, so most of my loans are subsidized by the government. I owe around 365m if I dont use my deferrment or go back to school. - 900-1200 for my Uni class that went to collections: I avoided my University for a summer class, and it obviously went to collections. The original bill due was 900 before collections, but the last letter I recieved was around 1200. Since my mail is all over the place, I dont even know where to pay it off.I would also like to know how to go back to school if I needed to pay my University to get my transcripts released, but the class went to collections. FWIW, I applied to FASFA last night.- 611 CC debt with Capital One : I am 5 months past due, and owe 211 in late fees. I owe at least 40 by 520 to avoid closing my account.- 460.75 CC debt with Discover : Ive been taking care of this okay. I want to pay it off and set it aside.I know driving is not ideal expense for me right now, but I need a plan to drive for my car. - 1489.10 in outstanding warrants : 296330421442 , I left the state in 2015 with some tickets left unpaid. I dont know if its worth on a servers salary to sit them out or to pay them.- 780 in DPS surcharges : 260 per 3 years I need to pay a minimum of 13.33 per surcharge every month to get my license back - 500 car repairs : I have a 2001 Toyota 4Runner that I left in TX. It has 300,000 mi but still in good internal condition. It needs some auto body work done, but also updated registration and inspection. Selling it isnt much of an option, because it was a HS graduation gift from my best friends parents. On top of all of this, I dont know how to go about my living situation. Im staying couch to couch at various relatives, but its stressful for everyone. I dont know if I should rent a 600m room or stay couch to couch till I can fix my car. I dont know if I should sit out my tickets or pay them. Any advice would be sincerely appreciated it.  <response>: I would suggest looking on craigslist for someone renting a room. Usually you will see stuff for 300-500 plus maybe a share of the utilities. You need to get your living situation stabilized or its going to make getting out of debt that much harder. All you need is a cheap room, nothing more. You need to start making at least the minimum payments on all your bills. If I were you I would take the deferment on your student loan. I know its scary but it will give you some breathing room to pay off the rest of your debt. Youre not in a position to pay more bills right now. I agree with the other poster, you dont need a car right now. As long as you can get to work on the train thats really the main thing. You could budget 50month for Uber if you need to, it would still be cheaper than owning a car. Im not sure why you think it being a gift means you cant sell it. Its yours, you can do whatever you want with it. Im sure they didnt give it to you with the intention you would hold on to it forever. Just sell it. The good thing is your income is enough to make some real headway on your bills. Lets figure 750month for your base living expenses - thats 500 for a room, 50 for utilities, 150 for food and 50 for miscellaneous. Yes this doesnt include extra for a phone or clothes or anything like that but it at least puts a roof over your head and food on your plate. This leaves you 750 - 1250 a month for your bills. By my math you only have around 4,540 in bills once you cut out the car and student loan. If you can put 1,000month towards these bills you will be out of debt in less than 6 months. 