I'm finding it impossible to get out of debt…?

I have a good job, but my bills seem to be more than my paycheck. I have student loans to pay on, and bills that my ex husband helped me run up. Does anyone have some sort of solution to help me get out of this problem. I don’t want to file for bankrupcy, and I don’t trust debt consolidation places. I’ve talked to the collection agencies and all, and they are working with me the best they can, but they can only help so much…they need their money. Please! Any advice?
Also, I have no car to sell, I don’t drink, smoke, ect. so there are no luxuries. Literally, I get my paycheck, pay bills, go grocery shopping, and buy baby stuff, then, I’m flat ass broke until next payday.
Because I don’t have any reciepts from when I was married to my ex, I can’t get any kind of payment from him. I know, I tried.

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How to get out of debt with grants or any other solution like that?

I’m 20 years old and I owe this college some money and they want release my transcript and I also have credit debt and student loans. All this is so overwhelming I need help to get out of debt and get my life back. And I can’t to afford to pay monthly because I work at sonic and I already have a car note. Someone PLEASE HELP ME?!?!

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Major Debt- any suggestions or solutions?

Okay, here’s the deal- i have major credit debt- including school loans, old credit cards, charged off bank accounts, doctor bills, etc. My debt maybe totals ,500. I made a deal with my cc to pay 0 a month, but sometimes i’m not even able to do that. My student loans will start being required to be paid in January- but i don’t have any kind of degree. I’m stuck in a dead-end job making .50 an hour.
Anyone know if the credit consolidations go against your credit or is it really just help with no consequences? I need some serious help- i’m horrible with money…..
thanks, but i owe the Library for overdue books and they won’t let me take any books out til i pay them… i told you i’m in a mess…. :(

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