<prompt> Human: Heres how it breaks down:DebtsStudent Loans: 63,451 according to Mint this morning, interest rates vary between 2.1 and 8, most are private loans - I went to an in-state school, worked part-time, and lived at home for undergrad and graduate schoolCredit Card Debt: 7,556 current balance that Im paying on, card has been cut up and tossed away, interest is 16.99--I used this pretty heavily when I was unemployed for gas and groceriesExpensesMonthly rent: 430 includes utilities, cannot go any lower without moving into the worst part of townNetflix: 9 dont have cable so this is my entertainment budget and I use it heavilyCell phone: 75 stuck in a contract for at least another year but will be splitting a family plan w my partner as soon as its upBills CC Loans: 925 minimums onlyTotal Expenses: 1439Income: 1840month I work full time in a professional office setting, not in my field of studyWhich leaves 401 a month left over for essentials: gas 100month on average just for getting tofrom work, as the public transport in my city is crap and I dont own a bike, food 200month for two people, mostly fruitsveggies and lean protein and 100 for incidentals replacing worn out clothes, toiletries, other essentials. My partner makes quite a bit more than I do, but all our finances are separate as hes working on paying off his own debt which is significantly less than mine and he pays a larger share of the rentutilities.I have no emergency fund, no savings, and theres no option for me to get a raise or more hours. I do have a 401k but since Ive only been at my job a year, its pretty tiny and my company only matches 4 which is all I contribute anyway.Ive been looking for a new job for over a year now with no luck and Im hesitant to try for a second job since most of my non-work time is taken up with cooking dinnerlunch for the next day, keeping the house clean, and actually spending time with my partner. Am I ever going to get out of this rut or am I just doomed to 12 years of never-ending interest and payments?EDIT Thank you everyone who has given me advice so far. I may not be able to follow all of it selling my car isnt an option but youve all been really helpful.  <response>: My main advice would be to take all of your federal, non-private loans, consolidate them, and get on an income-based plan Information . As far as the private loans, see if theres any kind of economic hardship deferral or hardship thing the lenderservicer can do for you. Any money you can save from doing any of this should be thrown at your credit card since, at 17, youre paying 1284.52yr in interest, which is 107 per month.If you cant make any headway in reducing your monthly loan burden meaning even after consolidating and IBR for your federal loans, the private loans wont work with you and you still have no money to throw at the debts , and you cant get a second job or a better job, I hate to say it but you may want to look at bankruptcy as an option. It wont touch your student loans, but it will get rid of 7.5k of debt, and free up a bunch of money a month The money youd be throwing at your credit card every month. If it does come to bankruptcy, take the additional amount youll save from the credit card being gone, along with the amount youll save from consolidating your federal loans and getting on an IBR plan however small it may be, and put it into an emergency fund. With your only remaining debt as a consolidated federal loan, and your private loans, you can put them on long-term repayment plans and throw a few grand into a savings account over a few months, while paying the minimums, so you have a cushion and you escape the paycheck to paycheck trap. 