<prompt> Human: I am 31 years old and have about 60k in debt. 48k in student loans, and around 9k in credit cards. So yeah. Im up to my eyeballs. I am very poor earn around 18k per year and my student loans are a non-issue as long as I keep deferring them, and will eventually get back on IBR.The issue is my credit cards. The monthly payments are around 385 monthly. My monthly income is between 1100-1200. My rent is 450. I know, its completely crazy. Ive been juggling this situation for the better part of a year now. What Ive been doing is basically paying all the credit cards and using the cards to pay for my car insurance and gasoline and things that arent covered by my income after subtracting rent and cc payments.Bankruptcy, unfortunately, is not an option. I got into this mess a year ago and I made the same mistake while in college and ended up filing bankruptcy a few years back, so its not on the table for me at the moment. I really dont want to let everything default and file bankruptcy a second time. But I am on the verge of just not paying and letting everything charge off and then waiting seven years. In all likelihood if I did this I would never have another credit card as long as I live. I am deeply ashamed and angry at myself for doing this to myself again.I realize I have deeper spending and money issues that I obviously havent addressed and dealt with. I dont know why my spending is so out of control. But if anyone knows how I can deal with this, I need help.  <response>: Really right now in your life you could go either way and nip this shit down quickly or just revel in it miserable for a few more years. Which would you prefer?If your job right now is not great and doesnt pay well, then unless you live in a wasteland there should be other opportunities that are on the same level of not great and dont pay well but maybe have a better schedule so you can fit in a second job. If you are not getting call backs on entry level jobs then see if a community service can help tailor your resume.You could also take on a full time really not great job, that pays great like chicken packing, duck processing, or temporary garbage man If you have farms in the area, chances are there is meat processing done nearby and if you have homes then you should have some sort of waste management thats a bit nasty but gets you out of debt quicker.Are you working full time now? If you can find 16 hours four, 4 hour shifts or two 8 hour shifts on a weekend in your week, being paid 6 per hour after tax youre almost at your credit card payments of 385, and that is with a low wage per hour. If your minimum wage is higher, then you can earn more or work less hours to get to your goal. Working 2 jobs may not work long term for a lifetime, but could give you a boost to double up your credit card payments or taking care of car insurance and gas. Having less free time after a standard 8 hour a day job will give you less opportunities to spend money on luxuries you just cant afford right now. Take a look at your spending in a month - roughly. Pay your rentutility, CC, car stuff do you really need a car, really? no need to answer - just think food, basic cell phone service. Can you go a week without spending anything else? No treats, no take out coffee, bring your lunch to work, skip buying whatever entertainment thing you want, etc? Just try it. Like a diet, see how it goes. Take all that money you didnt spend and stick it on your credit card payments. Then try is again. Or try it with 50, or even 20. That is how you get out of debt, or have savings - one buck at a time until you have a buncha bucks all slapped together. Earn more, spend less, make larger payments. Really decide if all the shit you spend money on is worth it to be broke for years to come. You can do this, friend. Its going to suck, and its going to be hard, but every 20 you earn extra, or dont spend gets you closer to having from being out from under the 9k in debt, and then you can work towards student loans. 