No. of Recommendations: 2

You need to get rid of the cc debt, then the car debt, then snowball the student loans. I agree that bk is not a good idea. I also agree that a savings plan is essential for emergencies and contributing the $140 a month towards your 401K is a good idea. It seems that your only options are to reduce spending and increase your income. The only way that I can see to do that is to cut out the minimal stuff you do now (mostly the lunches out and books), and working a second/third job. Consider teaching an evening class to make extra $. Consider getting a roommate. Good luck.

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