You get that crappy job and live within your means and scrimp and save to pay off the debt. If "all of it goes to living expenses" (and I understand that situation, believe you me), then you NEED to reduce your living expenses. *** Want some ideas? *** Get a cheaper living situation, even if you have to sub-let a room in someone's house or apartment. *** Potatoes and onions are very, very cheap. Carrots and rice and beans and popcorn are also very cheap. You can live off of just those few food items indefinitely. If you have enough money, you can splurge on things like a pack of cheap hot dogs each week (I think they still run < $1.50 per pack).

its best to cut ya credit cards up { after ya pay them off } ...times are real tough and will get worse .. a good place to save is ya phone.. in Australia we get the cheap as cheap plan and only use it for emergencies..... $60 for 6 months.....anyone can call or text you , and with that you get $30 worth phone calls out and a certain amount of texts ..2 mgs internet ..take cut lunches also ..maybe get a 2nd job{ few extra hours} cut out all take aways ..maybe one a month ,or if you have a family, have a nice home made picnic with a few little treats, much more enjoyable anyways

do you intend on buying a house? If no don't worry about it. Never borrow money for a car .

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