<prompt> Human: Currently drowning in debt. This starts off with my fiancee and I planning for a wedding. We are paying for everything ourselves which is rough. We both have credit cards that do not have any more that can go on them. I have an account that went to collections and now has a garnishment on my bank account. Both of our car payments are high as they are newer cars and neither of us were able to put any money down. Each of us have applied for personal loans independently. We are thinking that if we might apply for a loan together, we would have better luck. Any advice or help on this would be greatly appreciated!Assistant: I agree with all of that there have been some very poor choices that were made. The only reason we were looking at a loan is to consolidate some of our other loans and hopefully have a lower monthly payment. It starts with my car, which I should have gotten a used one instead of a new one. The wedding is in January and only have maybe 1000 to 1500 left to spend on it. At this point, we will not be having a honeymoon. Im trying to convince my fiancee to cut off the cable when our discount is up. I might put our phone data down more too as that will help. Would it make sense to trade my car 2015 honda civic in for an older and used one? Would that lower my payments at all?Keep the ideas coming. I know some of them are harsh, but I do appreciate them.  <response>: If you can post your income and itemized expenses that may help. Plus you CCloan balances, interest rates, and min payments. If you dont know what you are spending and where, pull your last three months of bank statements and work it out. If youve been using your CCs for stuff such as gas and groceries, pull that too and categorize all of your transactions to find out how much youve been spending where. It doesnt have to be neat, it doesnt have to look pretty. You can use excel or google sheets to do it. You want to be able to see what you can cut back on and where you are spending too much. 