Find the best financial services for you at: SMARTFINANCESOLUTIONS.NET - What are my options if I can't pay my bills? - I work 70+ hours a week and since I only make $8 an hour, I can't pay any bills beyond immediate life expenses (rent, utilities, food, car maintenance). I have $70,000 in student loans, and couldn't finish my degree (couldn't get another loan to finish school). I have multiple credit card and hospital bills that I am unable to pay. I make too much on paper because I work so much for any student loan deferments or assistance, but if I work less I can't afford my rent payments or utilities. I've looked into cheaper living, and there really isn't an option, and I've also looked for better paying jobs (mostly because after 4 years of working 70 hours a week and not having any days off is killing me, literally and figuratively, I had pneumonia twice this winter). There just simply aren't any. I can't afford to move, and I'm clueless as to what to do. I don't qualify for food stamps, utility assistance, HUD, nothing, because I don't have any children. Are there any programs for childless single people who aren't poverty but can't make ends meet? I don't know what to do and I am becoming very overwhelmed. I have tried to negotiate payments on loans/credit cards/bills -