<prompt> Human: 25F who is currently 9,350.11 in credit card debt. Thats between three cards. Two with Capitol One one chopped up and no longer physical and a Chase Sapphire card. I currently work as a retail sales associate. I did hold a very nice job for two years at my dream company, but they did a big layoff. I never made enough to have a savings or 401k taken out, but enough to live on my own and stuff.Now I make so much less and had to move back home. I have 10 in a savings account and cant afford a car. I have a Bachelors Degree that I feel isnt helping me. I got it in a field that I loved because my family told me it would help me get better work and made me look better.I just feel like my debt will never go away. I could get a second job, but my hours at work change every week so it doesnt stay the same. I think bankruptcy will help me erase the debt and allow me to start over, but I know it will hurt me. Me and my partner also want to buy a house sometime in the future and all of that. I know if I file bankruptcy that it will hurt our future.What can I do to not feel so drowned in debt? I know lots of people have a lot more debt, but I just feel drowning in it like I cant escape. I have late fees because I cant afford to pay all the minimum balances. I pay what I can and Im not getting harassed by a credit debt collector yet.  <response>: Other commenters are right, this is NOT worth a bankruptcy. This debt will bother you for a few years max if you work diligently to address it. A bankruptcy will haunt you for a long while.Lets look on the bright side: You realize there is a problem, and youre only 25. There is time to fix this issue, and rebuild a nice financial position for yourself. Youre less than 10,000 in debt. It hurts, its not very fun, and certainly seems like a burden, but many many people have climbed out from a lot worse. This is manageable. You have the option to live at home for the moment and save money. You also are willing to work a second job, and a good work ethic is key to getting out of this.First off, can you increase your income? Does your current job offer you any flexibility to ask for a set schedule, or make yourself unavailable on two given days a week so you can pick up a part time job? Chances are you wouldnt be the only person there working a second job. Is there any overtime you can pick up?In the mean time, keep applying to higher paying jobs using your degree. You had one in the past, you have 2 years of work experience. It wont be easy, but keep looking. Landing a job like this would not only increase your income, but would probably give you a set schedule you could plan around for a part time job.Secondly, account for your expenses. Identify, then cut out the unnecessary ones. People recommend Mint or YNAB - I personally just use an Excel sheet. Whatever will work for you and whatever you will STAY WITH is best.This may involve having a not very fun few monthsyears while you work as many hours as you can and dont do many extraneous fun things while living at home. Trust me, the cost of that is a lot better than the cost of bankruptcy longterm. 