<prompt> Human: Hello All,First, thanks for taking time to read this.I am a married but separate 37f with three kids 19, 11, 6.I am a certified school teacher in my 10th! year of teaching at a public high school. I currently make 47,369 before taxes. I work 3 jobs throughout the course of the year which is included in my pretax income stated above.My monthly bills that are reoccurring and fairly static are:Mortgage: 820 paid biweekly for the extra payment a year APR is 6 Car insurance: 95 - Full coverage - I am scared if I am in an accident that I cant afford a car.Cell phone: 181 4 phones, unlimited data because internet is not available at my house from landline options - long story Home Equity loan: 141The following are averages of what I have paid for the past few months:Beforeafter school care: 240 a monthGroceries: 400 a monthGas: 180 a monthWith three kids I have some miscellaneous spending that ranges from 300 to 500 a month - think sports registrations, school supplies, college text books for both myself and my son.I also have an oil furnacehot water that in the winter its 200 a month but from like May to September it is only 200 for those three months.I have no car payment, I drive a 2004 Honda pilot with like 275k on it but its still going strong.Now the really bad negative part, I have about 56k in student loan debt, that I defaulted on, and I am now in rehabilitation paying 57 a month until September, when I will be out of default. The Department of Ed took my tax refund this year, which sucks, due to my poor bill paying ability.I have zero money in savings, like 200 right now but thats nothing really I feel like I am doing everything right, but I still feel like a complete failure with this, am I missing something? What else can I do?Thanks in advance!edit: more informationAssistant: Question 1: is the father paying child support?Human: No child support - he makes significantly less than I do, his yearly before tax is 20k  <response>: That doesnt let him off the hook. There are people out there making less than him. 