<prompt> Human: For past many months, Im trying to figure out a way out my situation, but I cannot seem to find a way out of it.Current situation: Credit card: -18,200 Personal loan: -16,660 Total debt: -34,740Income per month: 3190Expenditure per month: Loan payment: 1559 CC payment: 366 Rent: 1360 Train: 124 Phone: 81 Internet: 69 Electricity: 150 Grocery: 250 No extras included, and Im still minus 769 per month!Living in a 2 bedroom unitrenting with my girlfriend. GF did not have job for last 10-12 months, but she got a part time job from this week, so she earns around 1200 pm. She is going to help me pay the debt and day to day home expenditure.The way I see, there is no way out of it without me getting another high paying job. But it might take a while, and everyday, just thinking about it is making me panic.Please help me plan my way out of it, a plan to have my balance 0.Edit 1: Thank you for all the replies guys.I posted the thread just before midnightAU and went to bed. Just woke up to a surprise that so many of you had good suggestions.Ill try to answer all the queries a bit more: Dhukuti situation:15 close friends make a group, decide an organiser who deals with collecting and paying, and start paying each month.At the end of month, one person gets a maximum of 14,000.there is more to it, if anyone is interested, I can explain furtherLike everyone would have imagined, everyone wants to get the money first.But the organiser gets the money first, because he is the one calling the people if they are not payingusually, with close friends, no one tries to screw over anyone else, organising tender to decide who wins and things alike.I took the money on the second month and paid more than half of my personal loan. It was a 15k to start at 16 variable loan, and I paid almost 6k in excesswhich I can withdraw if I need to. Currently, I need to pay 6660 on my loan.The remaining 10k is the 10 instalments I need to pay for next 10 months for the dhukuti, because I took my share already. So, no backing out from here unless I betray my friends. They cannot make me pay if I choose not to, but I dont want to be a bad friend.I knew it would be hard for me to involved in dhukuti, but getting the interest free money so early helped me cut down on my interest on the personal loan. Studyroom situation:Im a system admin at one university. This is my first job out of university, and this September, it will be three years in this place. I spend 7k on training for CCNPcourse that will help me move on to Network Engineer role hopefully. The training finished at the end of July. So, in my study room, I have 10 cisco routersswitches, 6 HP servers, 5 workstations. This is my personal lab, where I test everything that I come acrossread about.I think what Im getting from my current job is way too less for the skill I give them. Thats the reason I am thinking of getting another jobwhich hopefully will be little high paying as I have enhanced my skillsexpertise. Recently was offered a job in Amazon Web Services through LinkedIn, so Im hopeful.I understand there is a huge saving if I can rent out that study room, now I need to decide how to get rid of my home lab. Girlfriend situation:Due to some visa reason, she was not able to work, now it is all good. One day Im going to marry this girl. With my culture, it is little different than you guys think. She will help to pay the debt with everything she earnswhat I earn and what she earns, we combine it. There is no such thing as my money or her money, and I can decide where to spend. I think paying for your GF for 10-12 months to help her at hard times is reasonable. She is looking to get another part time job, and also talking with the employer to make the current job a full time one. I just talked to her about renting another room, and she says lets see for 1-2 week if the employer gives her full time, or if she finds another part-time job. Things Im doing to cut cost: Im moving to 30pm no contract plan on my phone. Ill buy the SIM card today. Ill need Internet as I need to check server status and things from home. Also, need it for research and study. 30pm on phone gives me 6GB data...I want to see if that is enough for me. If it is, Im going to cancel it. But the problem is, there will be huge cancellation fee. No eating outside or buying lunch. Bringing lunch made from home. That saves 240 per month. Be in the lookout for suitable person to rent other room. Ideally someone who is in IT field, so I dont have to get rid of my equipment. Ill let him use it as well, and I use it when I need to. I have paid 6k in excess to my personal loan. Im keeping it there because, its rate is higher than my CC11.9 Dont think it makes sense to withdraw that and pay my CC. Im working with a cablerelectrician during the weekend. He pays me 200 per day. If I quit my IT job, I actually will earn more 1200-1400 compared to current 800. But I cannot decide if I should quit IT and become a tradie. I think it is not a good long term goal. Ive talked with him, and he says he will try to give me atleast 1 shift per week...so that is 800 extra income per month.Thank you all again, and sorry I couldnt reply earlier.Edit:2Ill try to clarify bit about dhukuti:  <response>: Have you been supporting your girlfriend all this time? Sounds like all of her money needs to go toward helping you now if thats the case. I dont care how much you love her - you cannot afford to give ANYBODY a free ride, girlfriend included. Why is she only working part time? She needs to work full time. Cant get full time? 2 or 3 part time jobs. If you guys are in this together, then she needs to chip in, or this will never end. Cancel your smartphone. I would assume at 81, its a smartphone. Cancel your internet. It sucks. Go to the library, use free wifi, etc... you cant afford internet right now. Youre poor. Turn off the lights when youre not home. Unplug chargers from the walls - they draw electricity by nature even when not charging anything. Seems silly, but at this point every penny will help you. You can afford to leave them plugged in when youre not swimming in debt. Get out of your friend loan or whatever it is. You cant afford it. That extra 1000 could pay a whole extra credit card and personal loan payment for you. If you doubled your payments, youd be out of debt twice as fast pending interest, etc. for the sake of quick math, though.... GET OUT OF YOUR LIVING SPACE AND INTO SOMETHING SMALLER. You live with your girlfriend. You do not need an extra room. You can study at the library or in your kitchen or the couch. I really dont mean to sound like as asshole but you are swimming in debt and throwing your money away on very silly things when you are in such dire straits. You need to re-evaluate a lot of things here. Its going to suck, you probably arent going to like it, but its necessary before you ruin your financial future even more. Do you plan on marrying this girlfriend one day? Starting a family? Owning a home? You cant do this when youre bleeding over 700 a month. 