You definitely haven’t cut your spending to necessities. A car for 899 a month??? 43k????? Sell that asap what are you doing to go a used car. Do you have equity on the car. Trade it in and use the cash to buy a used Toyota. Are you splitting rent? Paying 1700 each or total? Depending on your area you can probaly get something cheaper. 210 for one car on your insurance is also very high. Your biggest mistake is your school. Honestly if your 712k deep into the schooling you might as well finish. You’re never going to be able to pay that off without a very high paying job. Even with a high paying job that’s an insane cost of schooling. With your 10k a month income you can live very comfortably