<prompt> Human: Throwaway account for obvious reasons. So, I moved in with my girlfriend right after high school. We just separated after a relatively long time together almost ten years, and our finances were very intertwined. I worked as a freelancer, she collected government benefits. We barely made it by. Not to sound cliche, but she got everything after the breakup, which was sudden and unexpected.The emotional toll was so bad that I couldnt keep up with my work, and I subsequently lost all sources of income afterwards. She kept the apartment and the car. Most of the debt is in my name, so she is free from the obligations of our poor shared decision-making. I had to move back home basically penniless. Im lucky to have family that isnt charging me for rent right now, but that could change soon. Also, the area is not accommodating for public transportation, and I know no one in the area anymore, so it is pretty isolating. I accumulated a substantial amount of student loan debt, but prioritizing the relationship caused me to drop out of college before I got a four-year degree. I also wasnt studying anything terribly useful anyway. Think social sciences. My Associates in Liberal Arts is about as valuable as a high school diploma. I just got a notice that one of my loans entered default even though I thought it was in forbearance. My credit score is in the low 500s. There were multiple closed bank accounts, one unpaid credit card, several bills that got sent to collections, etc. Again, its all in my name. I get the feeling that these bad choices will make it impossible for me to ever be financially secure. My work experience isnt exactly resume material, so I am looking at minimum-wage entry level positions. Not sure if I should claim bankruptcy or what alternative routes I have for correcting all of this. I know that I have dug myself into a pretty deep hole, and taking responsibility for it is going to require a lot of effort, let alone patience. But I simply dont know where to begin. I would like to get back into school and study something useful, but that is probably a long ways off. I was hoping this subreddit would be able to help me devise a plan of action. Seriously, I appreciate any and all advice you might have to offer.TL;DR I have tons of debt from a failed relationship, and now have no money at all while trying to start a new life. Help!Assistant: Less words, more numbers. Post as much detail as you can about your income, debt and budget. You can do it.Human: Student Loan Debt: 15k Government Debt: 10K Medical Debt: 8K Other Debts: 4K Income: Was 18K annually, now it is 0. No savings. Budget: Monthly phone bill 60. Borrowed a few hundred dollars from a friend for food while looking for work. Assistant: Your debts arent insurmountable, but you obviously have a serious income issue. Even when you were making 18k that isnt much. Any trades you might be interested in that pay well in your area?Human: Yes, income has always been the most consistent issue for me. Sadly, Ive only just started looking at various trades, and I have no idea what would be the most profitableworthwhile field. I suddenly have a lot more free time, which is very new to me, so pursuing new ways of making income is finally a possibility.  <response>: I know things are looking down but look at it this way: everything you do right now is uphill. Now that you realized your mistakes and know what to do, youre on the right track to have a great life. Regardless of what trade you want to do you need a job asap. If you have friends or whatever and even if you have to flip hamburgers you need a job while you get the education you need. I dont know how you are with your parents but if they could help you by renting you a small part of where they live that could help you a lot. if not maybe a friend. 