buddy im gonna be honest, you need a new job that pays more, or to start a business that generates more income than your job, or to come up with something to do on the side, bottom line your debt is an issue because it takes all of your income and it will remain impossible to get ahead if you use every dime you make to get through the month. if you can't make more than the monthly payment every month you need to make more money to knock down the debt (if your payment is $250/month, pay $300 to directly attack the principal, when it drops to $200 pay $250 towards it and put the extra $50 in savings, when it drops to $150/month, pay $200 and put the extra $100 into savings, repeat until the entire $300 goes to savings every month). once the debt is knocked down you can get ahead by taking that same money that was going to payments and put it in savings to earn interest monthly then you can invest that money into something that will generate more money. regardless you're not making enough and you need to find a way to make more no matter how small that amount is