OK, one step at a time. Write down all of your recurring costs on an excel spreadsheet and then your income. Figuring out where every dollar is going will help you understand where you can cut costs, save more, etc. As for the credit cards and student loans, have you called the lenders to explain your financial hardships? They're typically willing to work with you if you call and set up some type of payment plan. Ignoring the payments is never the answer.