I'm not going to knock you in any way for attempting to get out of your debt; but at least you have income that allows you to maintain some bit of essentials. I don't have that advantage; I am 60 years old; 2 years short of the minimum age of eligibility for Social Security; and I cannot work right now due to my medical condition. I am applying for disability funds, but red tape and delayed bureaucracy is in the way of me receiving those funds.