<prompt> Human: rfinancestudentsHopeless but hardworkinguTheRealBettyWapI rarely use reddit, so any trolling or reprimanding is to be expected, I just dont know what to do or whom to ask anymore.I was with an extremely abusive ex that racked up 3000 of debt on top of the 1500 in parking tickets he somehow racked up without my knowledge.I am underwater in my car, it is worth less than I owe. I used to bartend at a strip club to try to make up for money owed and stolen by my ex, but once I left him I changed jobs and my auto loan bank wont refinance and cannot work with me based on change of income.I dont have a phone service anymore, no insurance. My boyfriend helps with the little food and bills he can.I work full time and just got promoted, my income is 1220 a month. Rent is 425 mo Car 450 mo Dog food 25 mo Gas 20 moI also owe 400 to a friend for helping me with rent 300 to the bank because I was 2 short on a auotbilling and the fees have racked up the last two weeks of me waiting to get paid.I raised my credit 100 points in the last month or so, but no one will approve me to consolidate or refinance etc.Im joining the millitary in November, my paperwork is done and ready to go. I just do not think im going to make it, nor do I think I will make enough as a Reserve memeber to help myself significantly.Its tough because my debt is small in the grand scheme of things, but Im barely living, and have not enough to save or go back to school.I stay up all night thinking about my debt. Im 23 and I feel as if Ive failed myself and my family.The ex is in jail, and I am safe and out. I do not however, know how to repair my life financially so I can go back to school and be a worthy member of society. Any constructive advice would be comforting.BettyAssistant: 300 to the bank because I was 2 short on a auotbillingCall the bank. Ask them to waive the fee. They will often do this if you ask very politely and if you havent done it before or at least not recently.Im joining the millitary in November, my paperwork is done and ready to go. I just do not think im going to make it, nor do I think I will make enough as a Reserve memeber to help myself significantly.So you will be in the Reserve? Will you have to move? If you dont think that joining the Reserves will help you, then start making another plan now, before you cant leave. I was with an extremely abusive ex that racked up 3000 of debt on top of the 1500 in parking tickets he somehow racked up without my knowledge.Was this all on your cards that you shared or did he steal him? Reporting it as fraud is definitely a possibility if it wasnt a shared card. That would help your situation significantly. I work full time and just got promoted, my income is 1220 a month.Did the promotion come with a raise? Because it seems like you are getting paid minimum wage here.My suggestion is to start applying for other jobs NOW. You have a new higher title at least, you have some experience working, you should be able to make much higher wages. But you will mostly get higher wages by jumping ship to another company. Dont wait on that. Make todays goal to polish up your resume and identify several other places to work and apply to.Human: I get paid 10 hr, hopefully ill be getting a .50-1 with thatI work 75-80 hours every two weeks but my taxes take about 150-180 off my paycheck. Theres nothing that pays better around here really. Assistant: Theres nothing that pays better around here really.Have you applied to check? Dont assume. People will pay for getting in hardworking people with experience like you have and they will pay more than your current company will give as a raise, generally.but my taxes take about 150-180 off my paycheck.Do you usually get a big refund after you file your taxes? What did you put down on your W-4?Human: Ive worked in almost every industry in town, if I get my raise there will be very few that make more than me with my education level. For instance I used to repair computers. That paid the exact same. I didnt make enough money last year to file. My parents were helping me out a little after they found out what happened to me, but cant anymore.Im not trying to be non-solution oriented but Ive looked thoroughly around town for something more lucrative.  <response>: I didnt make enough money last year to file. Did you pay any taxes last year? Were there any federal or state income tax withholdings from your paystubs last year? Im not trying to be non-solution oriented but Ive looked thoroughly around town for something more lucrative.Have you looked outside of your town? There is no reason to stay in a place where the highest paying job is 10hr. 