<prompt> Human: Sorry if this sounds very repetitive to other posts, but I know this community is great, so I am hoping to get some advice. Heres my breakdown: Income: 2537mo. Paid biweekly.Savings: 401k company matched: 26,000 - contributing the minimum for company match. Expenses: Rent: 550Internet: 60Gas:40Food:300Total Expenses: 1050Debt:Car: 409mo, 9252.11 balance at 4.25 409 total. 209 to the dealership and 200 to my aunt since she helped me down the arCC1: 153mo, 6677 balance at 16.24CC2: 100mo, 3089 balance at 17.49CC3: 46mo, 1889 balance at 19.24CC4: 500mo, 6476 balance at 20.49CC5: 300mo, 4023 balance at 21.24Student loans: 222mo, 17,222 balance at 6Lasik: 133mo, 3200 balance at 0Total Debt: 1232Ive inputted this into a spreadsheet,and hope to pay this all within 2 years. Even so, I do get overwhelmed and frustrated because its a lot. Ive considered opening another 0 balance credit card, and Im aware that I need to stop spending on that card once I transfer over or else Id end up right back where I started. Other than that, are there any other options? Also to note, I am planning on going back to school within another year or two, and know I should pay off my debt before doing so. In the long run, I consider this an investment since I will be making more, but wanted to add this in case this was needed. EDIT: Sorry, I meant to specify that I am hoping to pay off just the CC debt in 2 years. Theres absolutely no way I can pay off everything with what I make within that amount time. Apologies for the confusion.EDIT 2: Being a scatterbrain while writing this post, I forgot to mention too that CC2 and CC5 are at 0 right now. I have about 10 months left on CC5 and 18 months left on CC2, so I am trying to pay those off as quickly as I can, while focusing on the large balance for CC4 since that one has the next highest interest. I guess my question was is it possible to transfer CC4 to a 0 so that I can tackle it too and take advantage of the 0Thank you everyone for your responses! Assistant: Your total monthly payments on debt are 1863. That plus your monthly expenses puts you spending more than you make. Am I reading this right?Human: yes youre reading it right. Im aware its over, so I was wondering if there were any other options.  <response>: Youre going further in the hole every month. Youre in a situation where bankruptcy is becoming a viable option if you cannot increase your income by at least several hundred a month. Can you look for a higher paying job? or work more hours? ask for a raise? You need to get money any way you can. Sell stuff on Craigslist. Donate plasma. Drive for Uber. Plant a garden. Not a joke, grow some veggies and cut your food bill down. Call 211 and ask for help locating your nearest food bank, that may help you cut your food bill down. Can you sell your car? Is it absolutely necessary? Could you use a bike or public transportation for awhile instead? Either that or buy a 1,500 beater and pay off some of your CC debt. You are in a death spiral. If you cant reverse your trajectory youre going to go bankrupt. A 0 interest card can certainly help if you can get approved, though with your debts that may not be possible. I would also suggest calling every single one of these card companies and asking them if they can lower your rate. Even if its only a temporary reduction it would be better than nothing. Tell them youre going to have to declare bankruptcy if you cant get the interest rate down. They may be more inclined to make a deal if they realize they could lose all the money. 