What would you do? I am 21 years old. I have a car debt of $16,000, credit card debt of $5,000, rent, car maint., bills, etc. I do not know how to get out. I pay bills and still cant get ahead. I feel like this is it for me. My credit score is in the low 300. What do I do? How do I get out? What would you do? I tried selling my car but they only want to give $12,000 for it when I know it is worth more than that... So how do I get out of debt?