Anita, my debt is 13k in student loans, 9k for a loan I got to pay off credit cards, 4k for current credit card debt. So about 26k. I did not finish college and have no degree. I live alone. Moving would be very difficult. I just moved here almost 2 years ago because the rent is cheap ($495/month) and I can have a cat. I don’t want to move since I’ve moved a lot in my life. But I understand why you suggest moving, it is my biggest monthly expense. Next would be the $324 automatically taken from my checking account to pay off the loan I got to use for my old credit card debt. My current credit card debt I pay as much as I can when I can but last month I could not pay, this month I paid way less than the minimum. I need to make more money but am unable to find work that pays more. I also switched jobs two years ago when I moved. At 41 I don’t want to keep switching jobs and moving. I supervise disabled adults in a work-training facility. My friends in the tech field make 50-90k, no exaggeration. I do not understand that field or what they do. I choose to help people but that’s not a top paying job. I love where I work and what I do. I don’t want to leave it but I guess I would ifa better financial opportunity came up. Thanks for replying, I’m actually off to work now.