<prompt> Human: Heres the situation: my boyfriend and I live in my grandparents old house which my parents now own. Due to my parents own financial troubles, they are looking into selling the house by February. My boyfriend and I are not even within sight of having the financial means to get an apartment of our own. He doesnt make much, and I do okay but Im drowning in debt. I was using this free housing opportunity to work on my debts but thats about to come to an end and the only way I could see anything happening is if I were to come up with about 6,000 to pay off a few debts by the end of this year. Ive already sold off anything of value that I had. After taxes I only bring in about 1,900 per month. My current monthly expenses are as follows:Credit payments: 200 Consolidation Loan: 135 Student Loans: 285 Im already on an income-based repayment plan Vehicle: 400 this is non-negotiable due to the co-signers refusal to allow me to trade it in for something cheaper Insurances: 120 Phone Gym: 120 Whats left over puts gas in my tank and food in my stomach, and pays the utilities on this house. Utilities run me approximately 250month so that is money that I will have when Im out of this house. I would like a second job but my current job with commute takes up about 11-12 hours of my day and Im on call after hours my company provides life-sustaining medical equipment. So thats out of the question, with the exception of a few Saturday nights in December which is only going to pay about 100.What are my options? Are there any assistance programs that could help? Im really at a loss as to what to do.  <response>: So youve got two people making a household together but one of them you only find worth mentioning with he doesnt make much in passing. I think thats your issue - youre putting in 12 hours a day to pull your weight and what is your other half doing?You sound like a sweetheart, but its past time for frank discussions about having a fair allocation of responsibility. At the least he should be kicking in 125utilities and 12 of fair market value for rent which you could use to get out of debt. See the folks at rrelationships for more info. 