<prompt> Human: So Im fucked.And my girlfriend and I are planning on getting a place together in about 8 months. She knows that I have bad credit. Im worried. My credit score is somewhere in the low 400s. -I defaulted on a 5000 student loan last year when I was consolidating and found out my parents had been putting the loan letters for one of my loans in a shoebox-Im currently paying back about 2000 in monthly payments with no interest negotiated with the bank on a now-cancelled credit card. -I have another 1400 personal loan for school supplies that Im trying to pay off.-Ooodles and oodles of government student loans, but Im on an income-contingent payment plan, and I currently make about 15 an hour. I pay my rentcell phonehealth insuranceutilities on time, I dont have a car. I make my own dinners, but where the fuck do I even start?  <response>: You start by listing what exactly your expenses are each month for all your loans and bills. Then what your interest is for each loan. Thats the best way to get help in this sub.More financially learned folks are going to give you better advice based on that info, but Ill tell you that everything has to go on the table, your apartment, your cell phone, your future plans, your job, everything. I dont see how you can have a successful start to living with your SO with this additional burden. Thats a stressful situation on its own. 