if you're going to be in such dire straits, consider cancelling xbox live. you're going to sell all your games anyway. i don't know how much it is, but it's probably too much. get rid of all unnecessary bills and expenses, and just work as much as possible. while you're working, constantly search for better jobs with better pay. also, while you work, do everything you can to move up within whatever company you're at. a company like Chase, it's hard to move up quickly, but if you set yourself apart from your brain dead cubicle zombie peers, you WILL move up... just plan for some inner office political bullshit on occasion. consider getting a second job, unless you are going to school. if you are going to school, finish out the quarter/semester, and consider going part time afterwards. it sounds like you know what to do otherwise... just think and plan carefully, and don't act too unless time is short.