<prompt> Human: Hello Reddit! Of course this is a throwaway and I have my reasons. Today, I finally have broken down because of all the debt Im in.Im 24 years ago, in Louisiana with 2300 of credit card debt. 400 in cash advance, and 45k of student loan debt.I make only 30k a year and Im stuck in a studio apartment with my fiancé and my two year old. He only makes 9.65 and hour and I make 15.26 an hour.I am two semesters away from getting my BA in General Studies and three semesters from my BA in English. I have unfortunately maxed out and Im 45k in the whole with student loans.Heres a break down of our monthly billsRent for studio apartment 575Car Note 247.06Daycare 110.00 a weekXbox 9.99Abc Financial 60.82 Hospital Bill 50.00 balance 350Electric 140ishSirius 16.32Direct TV 83.71Xfinity 69.19Rhapsody 15.59Blueshield 76.35I have just bought an ROKU 3 and would like to turn all the cable off. My radio deck Im my car is half ass working so I might turn Sirius off. Groceries a week cost about 150ish because we dont buy any frozen food. We cook almost everything from scratch. Gas runs me about 30 week.I want to be able to be debt free before Im 35 and that would be AWESOME! I dont want to be like this forever :. My fiancé is trying to get back on the railroad or get on as an OPS Manager at his old job. I have consider getting out of my job and find one where the money is great, but I know I wouldnt be home much.If I get a full 80 hours, ill bring home 924.00 after taxes and my fiancé brings 650 after taxes. He has his phone bill at 40.00 month, 100 a month for school loans, and the BLUE SHIELD is his bill. We pay on the two credit cards monthly. Capital One had a balance of about 1400 and we pay 50.00 a month and Chase 750 and pay 25.00 a month.So...what can I do to ensure we as a family can get out of debt and be happy and free! Thanks! Edit: wooo wow. Ive just managed to log on before I go to bed and just wow.Okay, I guess I have to explain myself just a tad more.The school that I attend is legit university. ULL. Second, about the car. The reason I dont worry about the APR because I made sure the car would be paid off in January. As of now, I have 2.5k left. I knew I would have until July 2015 until the Apr goes up. It will get paid off before then. As for insurance, my parents pay for it because they get a discount including me in their bundle, but when I hit 25, the deal is for me to get my own. Not liking it but I can understand. The job that Im with now has a student loan program that if I make 180 successful payments on time, the remainder of my loans will be waived. Im a government employee. The only problem is that i have to be full career which wont happen probably until 2015 probabtion..ewww.Okay, Ive got to get back up in a few, will update later and thanks everyone! I also apologize for the grammar, spelling errors and wtf did she say moments. Typing on a small phone is an art that I have chosen to ignore and master.  <response>: Everyone is doing a good job suggesting ways to cut your spending, so Im going to skip that. What can you and your fiance do to earn more money? What are your current jobs and how many hours a week do each of you work? What part of Louisiana are you in?If you could earn 1,000month at an extra job, its worth doing in the short term to dig yourself out of this hole. That may mean your fiance working nights or weekend or both, but thats what is necessary sometimes. 