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I suggest you start living below your means

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All good thoughts in your post, but the above is the fundamental problem. I took a large pay cut a couple years ago to change jobs and I didn't downsize my lifestyle enough. Not even close to enough.

I've looked at my budget, figured out what can be cut, but unless I want to start defaulting on stuff, living below my means isn't going to happen unless my income goes up.

Which means second job PLUS figuring out how to make more money at job A.

In my spare time, I will probably try and take the game which must not be mentioned more seriously, but if I keep withdrawing what I make each month to chip away at the debt, I'm going to playing $1/$2 (at best) forever.

Thanks for the thoughtful post, and to those others who had decent ideas. And whoever said it (Metetron?), yeah it does indeed suck to be me.

-- T. H.