The lesser of several evils
So I am stuck deep in financial troubles. I have to back an awful long way to trace the beginnings, but a long series of bad decisions and bad luck have landed me in the place where I am working 7 days a week most weeks, 5 of which at a job where I make more money than I ever have, and I'm still losing ground on my bills. I am even getting some very generous help with some of my student loans, but in the meantime car repairs and trouble receiving my mail seems to be making up the difference. I'm having some trouble keeping up my spirits, which is sometimes easier to do, even though disaster always seems to be looming around the corner. My Mom hits it on the head when she asks if I've ever gone a day without sometimes I needed-and of course I haven't, but it's definitely going to take something unusual to get me through the year now that all my student loans are in full swing and undeferable.

So which path would best suit my goals? Join the military and be musically out of commission for four years, declare bankruptcy and be unable to get any credit or buy a house or whatever for seven years, or wait until my credit cards go into collections and offer to settle with them... and hope that I can make even that payment. I am sure there are other options, but none of them seem to be me working diligently though my problems until I pull out with no credit damage, or some kind of great music thing happening before I run out of money... or at all at this rate.