I'm stressed and I feel that there's no way out of this. All the money I put onto my cards I need so I end up spending again to pay my bills. I literally can't do anything else because otherwise my rent won't get paid. Can't get a loan without a guarantor which I don't have.
I have an overdraft of 2000 which I'm always in
Credit card 1 1900
Credit card 2 500
Credit card 3 600 (400 of this is a 0% balance transfer until Nov but can't afford to pay it off before then)
All up to their limits
Very bnpl (furniture when I moved into my council house) 395.90 due by Nov, 51 due by feb, 705.96 due by march
£6k+ to my ex who I pay 250 pm to on arrangement.
These debts all exist because I wasn't entitled to any benefits when I had to quit my job because I needed brain surgery. I'm a single parent and student and literally can't spend any less than I'm already spending. I can't get a job because my course doesn't have a set weekly timetable and I can't get childcare for night times. Sons dad is a 2 hrs drive (and neither of us drive) away so no help on that front. I get a tiny amount of UC and my student loan and child benefit which only just in total covers all my bills/payments BEFORE the credit card payments. Feel like I could cry I just don't know how to get myself out of this situation. I'm suicidal over this. Every time my student finance goes in/end of the term I am still in the same position I was before with debt. No idea what I will do when I graduate. Anyone got any advice??