This is official company that make 3 d print for ksp I recall it only work with stock part <| sep |> Take my advice with a grain of salt . It will go a bit against the grain of what has been proposed here . 1 . The amount you owe may seem large to you today , but trust that these are TINY sums . I graduated college with more than 13 k of credit card debit and even that was not a huge sum in retrospect . 2 . You can work to pinch a penny here or there , but the thing you should really concentrate on is raising your earning potential . You will never get ahead on 13 $ an hour . Look into careers like nursing or programming , which can be started with nominal investment . Skill up at your local community college . Most importantly , have a plan for advancement . As soon as you get a decent salaried job these debts will go away . 3 . Negotiate your debt down . It is that simple . Call your CC company and whoever else you owe . Explain your situation and ask them to reduce the amount . Be positive . Tell them your goal is to pay , just a bit less . The worst that can happen is that they say no . 4 . Kids are the largest expenditure you will ever have and the strongest predictor of personal bankruptcy . Get on solid financial footing before having kids . 5 . Bills . Keep things simple . Pay on time . Avoid borrowing money when possible . Stay away from get rich quick schemes including the lottery . And most importantly , MAKE MORE MONEY .