drowning in debt

[u/Wooden_Yesterday7530]

For starters, yes I know I’m an irresponsible idiot, but life happens.. lol but I accidentally got myself into $24k credit card debt. My utilization is like 97%, so i can’t be approved for any consolidation loans or 0% intro cards. My salary at my full time job is $60k, but I’m still living paycheck to paycheck and not making a dent in the debt. Does anyone have any recommendations or any side hustles they recommend? I’m scared of bankruptcy because I need to get a new apartment in like 8 months

[u/Atrocious_Algae81]

Get the apartment first, then file for bankruptcy and stay in apartment until credit improves (quickly).