<prompt> Human: I graduated college not long ago with a student loan of 42,000. I have a car loan of 15,000, 19 credit card debts of 28,500 and a personal loan of 5,000. Some of the credit card debts are due to helping out a family member with restaurant costs, which failed and lost money. However, most of debts are due to my poor decisions.My income is only just over 25K annually, and my take home is 850 semi-monthly. My monthly expenses are: rent 450 car 290 student loan 140 personal loan 150 gas 200 100 miles commute round trip daily, pay via credit cards insurance 155 pay via credit cards phone 105 pay via credit cards food, 300 pay via credit cards rest of paycheck goes to credit card payments 800This will be my first month in 3 or so years that I will not be able to make minimum payment. I racked up a lot on charge cards, and I will not be able to afford 3,000 total payments. I only have 90 in my checking account.I am over-stressed at my job. When I started, I used to work 80-100hrwk to keep up with the demand, which is essentially minimum wage. Now that Im more experienced, I work just under 60hrwk. There are PhDs and experienced professionals who quit this job because its just difficult. The compensation is base production, but the job is too difficult for me to do produce more than base. Im only a recent grad and dreamed about quitting but afraid that I might not be able to afford paying debts.Im thinking about getting a side job. I recently signed up to be an Uber driver, looked through Craigslist for jobs and posted ads for tutoring. If so, I estimated to have an extra 40hrwk to work on the side job, which Ive been spent sleeping my life away from the past few months due to stress. Note that my current job I can make my own hours.Im severely underpaid for an engineering grad, and I believe theres a more suitable job out there for me. Whats your opinion on a younger person filing for Chapter 7 bankruptcy? I dont have any possession at all that has monetary value. I also worry that it would affect my job outlook since I want to work for a large company. I know that I would not have a chance with defense contractorsgovernment jobs. Im aware that the student loans will carry with me. I just want to start over. I dropped out of grad school for this job, and I regretted it. A great majority of my credit card debts and personal loan were accumulated during this job.  <response>: 25k annually engineer - Theres all kinds of wrong with that statement. Go work at Starbucks. 