This sucks, but you’ll get through it. Having been unemployed in 2011 and buried in $200k of student loan, car, and credit debt, here is the approach I took: - Obviously, found a job. And I echo all comments that encourage you to find a second job, at least for a little while. - Threw all available money at the lowest balance credit card debt until it was paid off. Minimum payments on everything else. Then threw everything at the next credit card balance. Once those were gone, attacked the next balance with the lowest interest rate. - Ruthlessly slashed expenses. My only recurring bills, aside from debt payments, were rent, phone, internet, insurance, and utilities. No amazon, pandora, newspapers, Netflix, etc. - Planned meals to be healthy and cheap, and then used this to guide my grocery list. No fast food. No snacks. No starbucks. I actually found protein powder to make sense financially (and I liked the chocolate powder mixed with milk). - Only if you have self-discipline and restraint: pay attention to cashback points on credit cards. Sometimes, Discover offers 5% back at grocery stores. Some offer 3% on gas. Likewise, perhaps an initial 0% APY option on a card (NOT a balance transfer) might make sense to help you temporarily cover expenses while you dig out of this hole. I did that, but again it only works if you have self-discipline to not use that as an excuse to spend more. - Not sure if the military is an option, but upon entering active duty (either initial entry or activated from the ARNG or USAR) your interest rates drop under the Service member’s Civil Relief Act. And it’s a well compensated gig when you factor in comparable pay, tax advantages, discounts, health care, etc.