<prompt> Human: My story I promise to make it quick :Growing up in a low incomefinancial illiterate family I made some very stupid money choices in college getting involved with credit cards.Yes, I regret it to this day but I have learned some valuable lessons regarding moneyfiscal responsibility and the dangers of credit when uneducated. I have roughly 10k in consumer debt credit cards payday loan. I only make roughly 23k after tax and feel hopeless.What are the pros and cons of bankruptcy?  <response>: 10k is not that bad man. See if you can find a part-time job on the side or do some side hustling and pay it off. 