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Stop trying to bororw your way out of debt. Say it out loud so you can absorb the absurdity. I’m trying to bororw my way out of debt. Whatever you do don’t pay attention to all these people telling you sites where you can make thousands overnight. Or, sites where they will loan you money. They are working for the other team. Look at some of their other anwsers. All they do is troll the answers pages and suggest you go to their site to bororw more money.That being said: You need to buckle down. Get a second job, get a roommate, get a border, get rid of a car with a car payment, get on a budget, move back in with your parents(temporarily), get rid of cable tv or any other unnecessary bills, stop contributing to a retirement plan until this mess is cleared up,etc .There are numberous things you can do besides bororwing more or declaring bankruptcy. If you get these things in place then call your creditors they will probably work with you. What have you got to lose except some free time?