Also PT jobs… 1 year they would need roughly 63k to kill 1/2 the debt. 63k at PT pay = $70-$80 an hour at 20 a week (probably still not enough with taxes). Or lets give sleep up and say 2 PT jobs… now working 80 hours a week and driving to three jobs… they need two PT jobs that pay roughly triple their full time job in hourly wages. 🤷🏼‍♂️ there is no way man. I get the optimist role but…. It just isn’t there.

I don’t mean to be rude but you should not be providing financial advice online. The math doesn’t work out in any of your suggestions with basic survival numbers.

I would guess the OP has a car that is a little pricey, an apartment that is over what he should spend on. My numbers are done with far less than that and it has the OP barely able to eat without paying debt down.