<prompt> Human: Hello, rpersonalfinance. I admit Im not an avid reader of your sub, and thats perhaps the problem: Ive allowed my debt to spiral out of control. Right now this is what the situation looks like:Credit card debt of 31,471.54 spread over four cards. Minimum monthly payments of 741, which I pay dutifully every month.Right now I make 60,000 5k bonus before taxes. After taxes, my take home pay per month equals 3167.26. Of that, 1300 goes to rent payments. 741 goes to the afforementioned credit card minimums. I have another 108.58 that goes to cell phone payments and 193.15 that goes to student loan bills currently 5,092.07 in principal left on my undergrad loans, however I am planning to go to grad school in the fall putting another 50k or so in student loans on the books, so Ill need to be prepared to pay those off at some point as well. Lets call my utilities 150 between power and Internet.So all that means I have 674.53 of disposable income every month. I dont own anything of significant value, certainly no property and no significant stock other than that Ive vested through my own company.Ive considered bankruptcy but dont really know if its right for me. What are my options in this situation?Thank you in advance for the help! Ill try to answer any questions if you have them.  <response>: You have a surplus of money every month. Theres no way you should try to file bankruptcy. Just write a comprehensive budget, cut costs where you can, and buckle down. 