Make sacrifices and Start living like a StudentCook and Eat Home dont eat out or drink coffee or soft drink , or anything , carry water with you all day and bring your food to work . Its all healthy and costs a lot less than eating out . Loose the spotify save $ 5 Loose the phone bill get on pay as you go prepay save $ 100 sell the car and get a cheaper one , pay your car loan with the money , your car insurance will also go down save on car insurance If you can cycle or use public transport , do it and save , loose the car if possible save on the car loan payment and insurance and gas . Save all the money you earn and split it towards all your debts equally every end of month . Anyway that ' s what I would do ! When you done saving and paying everything off , keep living the same way and save all the money you can , that will help you some day ! good luck , just trying to help , might not be the best way of living but when you are stuck , thats the quickest way to climb up the hole !