<prompt> Human: This debt was accumulated during a horrible post relationship depression that lasted 3 years. After some amazing and expensive somatic psychotherapy the depression has lifted, I feel whole and capable of scaling back my life, and Ive been doing so. Im 37 living like a 19 year old college kid, and for good reason. This debt is a monster and Im ready to be done with it so I can move on, save, invest in my future, travel again to see my family and just feel like a proper adult again.Some people have said I should file for bankruptcy and start fresh. I am resistant to that, given that I dont currently qualify for Chapter 7, which is the only option Id take full debt removal. No kids, no property, 11 year old car that needs some work. I see the short term win, but what would the long term effects be? Ill be 38 in April... 10 years of bad credit takes me to almost 50 and thats heartbreaking... Ive had enough heartbreak. I live simply and just want to get on with life.Deets 37 yrs old. 60k per year 3,400 take home monthly. Rent 1150 food 250 1,400 per month. Im currently looking to find a room to rent for no more than 500 per month. Really hard to find something decent in Denver, plus, I walk to work from current location. Still must move. So, 2,000 left over to pay down this monster debt. 2 x consolidation installment loans with Lending Club.1 9,900 remaining. 532 per month. Debt paid October 2018.2 18,000 remaining. 600 per month. Want to increase this payment so debt is paid October 2018 but forecast end at this pace is March 2020.3 16,00 personal line of credit. 9 interest. Pay minimum 300 per month, but always try for more.4 8,000 balance transfer CC. 80 minimum until Jan 2018.5 1,200 left on 2 other cards - I want these paid off a.s.a.p 300 and 900.I have no left over and I want to accelerate repayments! Im about to drive for Lyft for extra and have almost sold all of my belongings in an effort to get debt free. I take side jobs for cash where I can... Its tough.I have a small 6k 401k, a 1,400 403b and a 1,200 emergency fund. Thats it...Im desperate to get on with my life and invest in my future! I exercise at home using free YouTube videos building covers wifi - my power bill is 8month - I unplug everything but the fridge every day. I sew my clothes if theyre damaged and dont buy anything extra ever.My boyfriend has been suggesting I get on this feed and seek advice for a year now... I felt too vulnerable to post... I feel so much shame for accruing this debt I never had debt until I was 33- I lived well, saved well though for travel not retirement and was not anchored because of debt.Ok, thats it for now. Should I file for bankruptcy and start fresh though hindered, or should I knuckle down more, work myself into the ground BUT come out with killer credit and no debt?Thank you  <response>: You might have incorrectly formatted line breaks. To create a line break, either put two spaces at the end of the line or put an extra blank line in-between lines. See Reddits page on commenting for more information.I have attempted to automatically reformat your text with fixed line breaks.--- This debt was accumulated during a horrible post relationship depression that lasted 3 years. After some amazing and expensive somatic psychotherapy the depression has lifted, I feel whole and capable of scaling back my life, and Ive been doing so. Im 37 living like a 19 year old college kid, and for good reason. This debt is a monster and Im ready to be done with it so I can move on, save, invest in my future, travel again to see my family and just feel like a proper adult again. Some people have said I should file for bankruptcy and start fresh. I am resistant to that, given that I dont currently qualify for Chapter 7, which is the only option Id take full debt removal. No kids, no property, 11 year old car that needs some work. I see the short term win, but what would the long term effects be? Ill be 38 in April... 10 years of bad credit takes me to almost 50 and thats heartbreaking... Ive had enough heartbreak. I live simply and just want to get on with life. Deets 37 yrs old. 60k per year 3,400 take home monthly. Rent 1150 food 250 1,400 per month. Im currently looking to find a room to rent for no more than 500 per month. Really hard to find something decent in Denver, plus, I walk to work from current location. Still must move. So, 2,000 left over to pay down this monster debt. 2 x consolidation installment loans with Lending Club. 1 9,900 remaining. 532 per month. Debt paid October 2018. 2 18,000 remaining. 600 per month. Want to increase this payment so debt is paid October 2018 but forecast end at this pace is March 2020. 3 16,00 personal line of credit. 9 interest. Pay minimum 300 per month, but always try for more. 4 8,000 balance transfer CC. 80 minimum until Jan 2018. 5 1,200 left on 2 other cards - I want these paid off a.s.a.p 300 and 900. I have no left over and I want to accelerate repayments! Im about to drive for Lyft for extra and have almost sold all of my belongings in an effort to get debt free. I take side jobs for cash where I can... Its tough. I have a small 6k 401k, a 1,400 403b and a 1,200 emergency fund. Thats it... Im desperate to get on with my life and invest in my future! I exercise at home using free YouTube videos building covers wifi - my power bill is 8month - I unplug everything but the fridge every day. I sew my clothes if theyre damaged and dont buy anything extra ever. My boyfriend has been suggesting I get on this feed and seek advice for a year now... I felt too vulnerable to post... I feel so much shame for accruing this debt I never had debt until I was 33- I lived well, saved well though for travel not retirement and was not anchored because of debt. Ok, thats it for now. Should I file for bankruptcy and start fresh though hindered, or should I knuckle down more, work myself into the ground BUT come out with killer credit and no debt? Thank you ---I am a bot. Contact pentium4borg with any feedback. 