<prompt> Human: Hey everyone. Let me give you some background on my current financial situation. I am 22, working full time making a decent amount of money for my age and college status. About 30k a year. I am also in school full time. I put myself through school currently, using student loans. I finance two cars, one I pay about 269 a month and my other car is about 369 a month. I have three credit cards. One maxed and the other two are at the higher end of use. About two years ago I was living in an apartment with my significant other and a roommate when my so took my car in the middle of the night and completely wrecked it. I didnt have insurance coverage on it the night of the incident so all the repairs had to come out of pocket. It was roughly 6k in repairs to get it running and I didnt have that and my job was threatening to fire me if I couldnt figure something out. So I went out and I financed a new car. I am starting to get overwhelmed with my lack of options. I had to move back home to afford the cars and credit cards which wasnt a problem until my dad lost his job and had to move extremely out of the way for another job. So on top of my two car situation I am now commuting about 2 hours to work each way. My current debt is about 27k. 20k in auto loans, 2.7k in credit cards, 5k in student loans and 600 in collections from my previous apartment complex coming after me for alleged damages. I dont know what to do to ease my situation. Each month I am barely able to make it to the next paycheck. The drive is extremely strenuous but I cant afford to move closer to my job, and I havent had any luck finding a job that can cover the cost of my monthly payments closer to my house. The only options Ive been able to understand that might ease my life would be voluntary repossession of one of my vehicles, or seeing if I qualify for some type of bankruptcy. My credit is basically shot. I am sitting below 600. I have been in this cycle for almost two years and Ive lost hope that buckling down and paying everything down will come quickly because life has just been throwing things back at me. If anyone has any advice or guidance on what I can do to actually make an impact and greatly help my quality of life I would love that. Thank you. Let me know if anyone needs any more information to help come to a conclusion Edit: I am upside down on both car loans. Selling value of chevy 4k financing it for 11.8kselling value of my smart car about 4k financing that for 8k.  <response>: sell the two cars. buy 1 for super cheap 