You don't have to answer this publicly but if I were in your shoes, here are the tough questions I would be asking myself:

Do I have other things I will need to purchase through debt (most notably a home) in the next few years? Is the car the only problem or is full bankruptcy a better LONG TERM solution? What other controllable expenses (credit card payments, non-essential spending, subscriptions, etc) do I need to get under control? What does my income growth look like for the next few years and how do I change that if it isn't growing? How much has to change for me to be able to consistently save money every month?

I also think that everyone should read the book The Richest Man in Babylon . It is a super easy read but teaches some great fundamentals on which to build your financial future.