<prompt> Human: I spend somewhere around 900-1k a month on bills, food, and rent. That leaves me with very little to work with. What can I do to help my financial future?Assistant: How much more time do you need to finish your degree? Can you get loans and go back to school for a degree that will give you much better employment opportunities?Human: I think I had like 12 more credit hours to get my associates degree. Ive thought about starting college back up, but my credit score is at 530, and I dont know if I can qualify for any loans.Assistant: What debt do you have that your score is so low?Also... Federal loans for undergrad arent affected by your credit score.Human: About 1.8k in credit card and medical debts. Got really sick when I was 20 and lost my job.  <response>: Dude...thats nothing. There are people here that show up with 400K in student loan debt. Youre going to look back in a few years and laugh at that figure. 