<prompt> Human: I need serious advice here. I need to figure out what Im going to do, but I need some help. So Ill start this post with a summary of my debts. If you need additional details about any of them, just say so I tried to keep it short. Then Ill summarize my budget, my living situation, and what I think my options are. ---This is a summary of my student loans as of July 28, 2017 November 2, 2017. I am two months behind on the Perkins account, and I have never made a payment on the Parent PLUS account roughly 1,700 in interest was capitalized on the PLUS loan on July 31 so I dont know how much I owe or what my payments are. Type of Loan Principal Balance Interest Rate weighted avg of all loans Minimum Monthly Payment------------Federal Perkins 4,523.57 5.000 49.93Direct Stafford 28,134.64 4.564 0 REPAYE PlanParent PLUS 35,129.01 7.203 421.54Private Student Loan 4,252.74 na Still need to set this up---I had 3 credit cards back in college and maxed them all out. They were all charged off. The debts were sent to collections, and then finally charged off. I received a notice in the mail last year for one of them, saying something about a litigation department, so I set up 12 monthly payments to pay off the entire balance. I made the final payment in August of this year. So now I only have two cards to pay off:Credit Card Balance Minimum Payment------------Charge-Off 1 2,534.66 Still need to set this upCharge-Off 2 1,320.81 Still need to set this upFor both cards, I have the choice to either pay off the entire charge-off balances or pay the settlement amounts. The settlement amount can be satisfied either with a lump sum or with monthly installments. If you need the exact details, just ask same with the loans.---I also owe my university 5,338 for tuition. I owe this money because I failed all my classes one semester by not attending them. I dropped out in my 5th year because I was no longer able to receive federal aid since I didnt meet SAP. Long story short, I had 3.998 GPA, and then I failed a bunch of classes due to depression. This account has been delinquent since May 2016. In order to go back to school, I need to pay this off.I also owe someone 590 for helping me a couple of years ago with rent and utilities.---Here is my budget info:The income thats listed is how much I earned at my previous job. I worked 40 hours per week doing overnight stock at a grocery store, making 11.00 per hour. The minimum wage where I live is 9.00.IncomeExpense Monthly Amount------Income 1370Phone 48Car Insurance 92Gas 15Pharmacy 10Hygiene 12---I currently live with my parents since I cannot afford to live anywhere else, and have been since May 2016, which is when I dropped out of college. My budget for most of the past year included a monthly payment of 288.50 for a charged-off credit card, a monthly payment of 108.65 for a loan finished paying it off in July, and a monthly payment of 304.97 for the Direct Stafford loans before being put on the REPAYE plan. So I didnt have exactly have money for rent. The only insurance I have is my car insurance, which I pay for. However, I will have to start thinking about buying other insurance for myself. I also dont have any savings. No emergency fund. Nothing. The only way I would be able to live anywhere besides home is if I joined the military and lived on base since everything is paid for right?, and just use my paychecks to pay off my debts. If I stay living at home, I want to pay my share of the bills. My goal though is to pay off all of my debts as quickly as possible while minimizing the damage done to everyones credit. This means I need to increase my income, decrease my expenses, or both. So my options are either to live at home or join the military, try to get a job that pays well, or get two jobs. My decision to join the military would also be because I need to reacquire discipline and also to find a fulfilling job, if I can. I have no passions really and I have no idea what I want to do with my life. I dont have my bachelors degree, but I was like 30 credits away from getting it before I had to quit school. I am pretty limited as to what jobs I can choose from in this town, which is another reason Ive been considering the military. Also, although I continue to make poor decisions, I am actually pretty intelligent. I would score high on the ASVAB, and this would land me a decent paying job in the military, right?So, all that said, what should I do? Slave away while making nearly minimum wage and stay living at home? Or join the service and still probably slave away with probably similar wages? And how should I be prioritizing my debts?Edit 1: Phrasing.Edit 2: Updated loan information.Assistant: Slave away while making nearly minimum wage and stay living at home? Is there really nothing you can do in your free time to get a better paying job while living at home? Prioritize debts based on highest interest rate. So credit cards first. Human: Is there really nothing you can do in your free time to get a better paying job while living at home?I mean, Im sure I can find a job that pays a little bit more, but considering I have no experience in any field and no degree, my choices are limited. Prioritize debts based on highest interest rate. So credit cards first.As I wrote in the post, the credit cards were charged off. What I meant by that was the cards were sent to collections, and after while, were written off and deemed uncollectible. I still owe the full amount for both, but I am no longer being charged interest on either, so their interest rates are irrelevant. The private student loan is in a similar situation. The credit cards affect my credit only, whereas the student loans affect both mine and my parents. So I am also trying to make sure that I dont ruin their credit anymore than I may already have.  <response>: Your choices are not limited, you are limiting yourself. Everyone here is giving fairly good advice about paying down debts and getting spending in control. But you also can look for ways to increase your income, and no you dont need to have a college degree for this. Take a second job. Look for handyman work. Learn a skill and sell your services to people. There are plenty of ways to increase your income, not so you have more spending money, but so you can throw that extra income towards your debt. I am not saying it is easy, I am saying dont just settle with well I dont have a degree or skills, so no choices. That is an excuse. Sure you cant walk into a fortune 500 company and get a 6 figure job, but there are plenty of things to do. 