<prompt> Human: Hi folks. Coming quickly to the point I ve been a degenerate for the past year and I am now neck deep in high interest debt. Lemme just give some background. I live in Northern California and work in one of the leading silicon valley tech firms. I make close to 130-140kwith overtime before taxes. After taxes i think i take home close to 80k maybe. I contribute the max of 10 to my companys stock and 6 to my 401k. Same time last year, I had little savings but had no debt. I picked up a bad habit of gambling and soon blew thru whateversavings i Had. My credit is kinda weak but bcos of my job i was able to acquire unsecured personal loans from high interest sharks. Very soon I got caught in the web where I would lose heavily2k-4k somedays and win the same somedays. My losing days were obviously more and i picked up lotsa debt. My paychecks helped me pay some off. I stopped paying rent to my roomie and hewe r close friends didnt ask me for rent utilities or anything. Over the last 10 months i have closed out so many loans and reapplied . At this moment I am sitting on about 45K of unsecured loan and 5k in credit cards. i also owe my roomie close to 30Ki need to start paying back soon as well. Out of the 45k about 22k is very high interestaround 50-100 apr. My take home is around 5k after all the taxes 401k and stock contributions. I also have a 15k car loan for which there is a460 monthly payment.So If i keep making minimum payments to these sharks i would not make a dent on those loans and have no money left as well. I have no property to secure for a loan.I have no stockssold about 10k worth to pay off a shark and have about 16k in 401kalready have 2k loan in 401k so cant take another. I am going to get married end of this year or next year sometime . My GF knows am not rich but doesnt know about my situationsince we are in a long distance . I ve been trying to find a big debt consolidation loan but know for sure that no one will give me a 25K loan again. This is the situation i find myself under currently. I have stopped gambling for the past month. I am only 26 and know that my life ahead will be good if i get out of this and permanently stop gambling. but this situation seems so tough and I have tried to find help. All the debt management specialists have scam reviews and am scared to be stuck in a different problem. I would greatly appreciate any help from my fellow redditians.Sorry for the long post.  <response>: Welp, thats a steaming pile.Stop gambling. Stop. You cannot gamble your way out of this. Take whatever intervening steps you need to make sure your 1 month sticks. It is worth whatever it costs.Stop contributing to company stock. Id even argue that a 1 time 100 gain on a 401k match isnt worth paying less on a 100 compounding debt.Pay Every. Red. Cent. to the gambling debts, highest interest first. Loans are pretty unlikely since youre obviously a terrible risk, but even cash advances on credit cards are cheaper than what youre paying on your debt.Pay enough to your roommate to keep them from throwing you out on the street, which they are probably close to doing if theyre not a complete doormat. If your credit is already trashed, stop paying the credit cards, otherwise bare minimum.You have a ton of debt, but the good salary means that if you buckle down and go bare bones, you can pay this off. Otherwise, I would seriously consider bankruptcy.And for the love of god, tell your girlfriend, and let her decide if she wants to be dragged into the muck with you. 