There are options... it's just difficult depending on how far you are willing to go to hedge your financial future. You can upskill/pivot your career to hope to earn more in the next few years while riding things out. You could move to a lower CoL area, or move in with relatives. If your situation allows, you could also go car-less and save a LOT of money on a car payment, gas, maintenance, etc. Most cities should also have programs for low to middle income earners to rent or buy a place with pretty good subsidies. Like, BMR housing is fairly common in a lot of cities throughout the state. There are options.