<prompt> Human: Hello everyone,x200B;I am in a bad situation and could use some outside perspectives. Here is where I stand:Total Debt: 25,000Car Loan: 13,000Student Loans: 7,000Credit Cards: 3,000Collections: 2,000x200B;Checking Account: 260Savings Account: 390Yearly Income: 21,500Credit Score: 630x200B;The car that I have the loan for is currently sitting in my apartments parking lot with a blown motor. I do not have the money to fix it. I still need to get to work as well as pay my monthly bills. I got denied for a personal loan to repair my car. The cars KBB value when its running is 6.5-7.5k. x200B;What suggestions do you all have for me? Any advice is appreciated. Thank you.  <response>: I am so sorry youre in that situation.I am not sure how to manage the paymentscar repair, but I think that your income is the place to focus. 21k is a really, really low salary; in my area, thats below minimum wage. No wonder youre struggling!Id think long and hard about how to get a higher paying job, and make that your focus. A second job right now to get out of this situation would help how many hours a week do you currently work? if your current employer offers overtime Id ask for that. If your current job is 40 hours a week, I think you could find a temporary job that is 20 hours a week, and that would get you out of this current situation. 60 hours a week is a lot - I know, because I have one job, and I easily work that much - but it IS doable, especially if youre just taking care of yourself and not kids.I hope that you can come up with a plan to move into a higher paying job. Not all jobs require a huge amount of education, and some come with good benefits. Can you work for a public school district as a bus driver? Can you attend community college on scholarship and get a degree in a trade? Or can you find a way to do a college degree?Short term, I think you need a second job.Long term, I think you need to look at career options so that you dont keep finding yourself in this situation.Easier said than done, and I wish you all the luck in the world. Since you are actively seeking solutions, I hope you find them! Best wishes to you. 