<prompt> Human: I am in a bad situation trying to get out of it.Me my partner have at least 80K student loans between us. I pay my 13K loan but he does not pay his private loan. They seem insurmountable have collections after us. He is also in credit card debt. Idk how much, Id guess 4-8K.I make 10 an hour, barely enough to even pay my rent. What is a good way to lower debt and increase my net worth? Should I get a second job some where? I was considering Lyft but I do not care for the overhead like gas.What are some things I should start to know to get the ball rolling? I never kept track of discretionary SPENDING It turned out to be 1.2Kmonth and I am looking for ways to fix that or my bank account before OR my net worth. Now I used StatusMoney and it says Im in the bottom 7 of the country and -10K net worth.x200B;My liquid cash in my bank account is now net zero with rent.x200B;This is all because I was financially abused and not allowed to have a job or bank account by my parents until the age of 30, just pressured to take on as much student loan debt as humanly possible. I was not even allowed to pick my own major. Ironically its accounting. x200B;  <response>: You both need college-educated jobs. Without that you cant really tackle this mess. Get interviews with temp agencies or HR Block and he needs to get something in his field. You can make 10hour with a high school diploma so you need to start using that degree you paid for and put effort into to start working for you. 