<prompt> Human: Im current a physician resident. Throughout the course of my training Ive accrued a significant amount of credit card debt... 40,000. I have a few years left in my training and then Im expected to earn at least double my current salary. Unfortunately my mindset through out has been to bury my head in the sand and hope it all works out when Im done. But its caught up to me. Im in a cycle where I can barely make the minimal payments on my low salary and my 80 hour work week prevents time for a second job. I tried to apply for a consolidation loan but havent been successful. It keeps saying Im denied. My credit has taken a hit too. My score is 600 or so. Im at my wits end and the stress is so overwhelming. Its taken a burden on my relationship and every aspect of my life and career. I really dont know what to do and just feel like crying. I was looking into a debt relief program, specifically ClearOne Advantage. Does anyone have any advice on these programs? Are they worth it? Is it going to kill my credit even more? Ive already cut all unnecessary expenses and dont take my girlfriend out anymore...I cant even afford dinner. My rent is on the higher end but I cant really do much about that at this point because I have to live within proximity to the hospital in a high end neighborhood.  <response>: whats your monthly take-home? how much are you paying monthly in interest charges and other bills? can you sell stuff?edit: nice username. 