I feel like I’m drowning. I can’t keep up with payments, my credit just hit a low. I can’t get approved for a car, rental properties. I’m trying so hard to start my life but every time I try to get a loan or credit, I can’t because I already in debt. I have 5,000 in credit card debt and I pay 500/mo in student loans. Please help me if you can. I need to begin my life, but I’m struggling so much.