<prompt> Human: Hi everyone,This is a great subreddit and I wish I had learned about it years ago, when my finances were better. I am looking for some advice. Here is my situation:1. Loan Debt: 40,000 in student loans - minimum payment of 400month2. Credit Card Debt: 5,000 over 2 cards - minimum payment of 150month3. Additional debt: unpaid tuition from a school I dropped out of: 3,000 - minimum payment of 3004. Additional expense: ankle monitoring for DUI - 450 a month5. Assets: 2015 Honda Civic thankfully paid off - cost 15,0006. Income: minimum wage 11hour at Target, and I only 15-30 hours a week. I have repeatedly requested more. Lets assume 300 a week, part-time.7. Savings: none8. Additional information: I am living with my grandparents after a moment of terrible judgment, resulting in a misdemeanor DUI and a felony reckless evasion. I lost my job as a teacher because of it. It has been difficult to find employment in my situation, but I managed to get a job at Target after many rejections. I am fortunate to pay nothing for rent or food at the moment, and my grandparents are paying for my bail. They are in their late 80s, and I have drained them of their savings. I have no idea what to do in my situation. It seems hopeless - I have put them through hell and they have done all they could for me. I do not know where I could afford to live when they pass on.I am worried about: homelessness, losing my car, employment, going bankrupt, etc.Any advice would be greatly appreciated. I feel wretched about the whole affair and wish I could redeem myself. :Edit: I am 26 years old. I was convicted on both charges earlier this year.Edit 2: Thank you guys for your advice. There are good ideas all around, for which Im grateful. I put myself and others in this mess and hopefully I can clean some of it up.  <response>: Put the loans immediately on an income-based plan PAYE, REPAYE - whatever is cheapest. That will lower the monthly payment to less than half of what you are paying now, maybe even more. Sell the car and buy a beater for 3k-5k. Use the 10k you get to pay off the credit card, the unpaid tuition, and stash the rest as an emergency fund. There is nothing you can do about the ankle bracelet monitor I presume and the best thing to do with the student loans is get a low monthly payment and just pay that for the foreseeable future. Have you thought about getting into retail management? They will usually only require a BABS, which you would have if you were a teacher. 