<prompt> Human: Hey guys,So basically I have been accumulating debt for years and just recently got to the tipping point where income is barely covering debt.. I took out a personal loan and paid off some cards and have transferred what I could from what was left to a 0 C.C. but still struggling.. Only other option I can think of now is possibly some debt relief or reaching into 401k I have about 60k in 401k.. Maybe I can just keep struggling through how I am for the next few years? Anything I am missing?Credit Cards - Monthly - 245 - Balance - 6200Personal Loan - Monthly - 625 - Balance 170000 Credit Card - Monthly - 225 - Balance 8000Student Loan - Monthly 350 - Balance 18500Monthly Expenses -Mortage - 1000Water - 50Insurance - 100Power - 100Car - 350Total monthly expenses - 3045Monthly Income Salary so no OT - 3250  <response>: What are the interest rates on the debt?Are the student loan federal or private? Are they on any sort of non-standard repayment plan?Right now you are spending more than you earn. You dont have all of your expenses listed but I am sure you spend money on food and gas at least. So you need to figure out all of your monthly expenses so you can develop a plan that is sustainable.How much do you owe on the car? What is it worth if you sold it?How far do you live from work? Is there public transportation available? Carpooling?Do you live alone? How many bedrooms do you have in your house?How many hours are you doing at your current job? How long have you been there? When was the last time you looked for another job? 