<prompt> Human: Long story short, as I came close to graduating college I also came close to running out of money. Granted, this is mostly my fault because I spent a lot on things I didnt need - but I find myself in a tight spot now. I have some card debt. About 3k worth. I just started a new job and 62k a year sounds like way more than it is.I have just started realizing how badly I am trapped. I didnt see these expenses in advance. Cable, Internet, moving new furniture, health, dental, car insurance, phone bill, food, rent, utilities, et cetera, it all piles up.Oh, and in 5 months, I have to start paying off my student loans. This is bad.When I get home today and can look more precisely at my finances I can post more exact numbers. But my rent is around 1,300 a month, then the rest of my costs are pretty standard. I dont know what the fuck to do. I still have an apartment that only has a bed, no tables, chairs, futon, anything. Just a bed.My parents have told me not to ask for money, and I cant get a loan I tried. Even at the loan sharks. The catch is I have a offerish for a company that would let me work from home so I could move back with my parents and make more money, saving essentially all of it.I took this offer instead because in the long term its a better offer. Its a massive global company that has survived financial hardships, as opposed to the other company which is relatively new 3-5 years ish. This current place of employ will probably give me a better reputation in the long term, looks better on a resume, etc.But right now I am fucking trapped. I feel like I have zero options. Either my parents are willing to loan me money and wait a year or two for it back, or I am forced to take a job offer that lets me save money.I should be clear that im not going into bankruptcy yet. On my 4 cards, I could continue to pay the 30 minimum payment per month, totaling 120, for a long time, and just sit on the debt. But I hate that. It makes me sick to my stomach just thinking about it. If I have an emergency expense I am fucked.Thank you sincerely for any advice. I really am in need of help.My credit score is about 650. I have 30k in student loans.  <response>: Theres really nothing anyone can say unless you provide a complete budget.What is possible to say: 62k is a lot of money. I guarantee theres tons of stuff you can cut from your budget. 