Hey folks, I posted a little while ago asking for information and advice on how to assess my debt a little more realistically. I spent most of my life extremely poor and had nothing. I was raised on the value that if you want something go and get it bc nobody is gonna hand it to you. For this reason I think I got carried away in life. Bit off more than I can chew per se. I’ve come to the realization that I can easily pay off the debt I’m in with some determination and discipline. My main struggle is my living situation. For context I am a traveling renewable energy technician. I spent the first 3 years of my career all over the country and just recently over the past 6 months decided to plant some roots where I am now in AZ/CA border. I currently live in a 30ft travel trailer. It’s not “ideal” but I bought it brand new a little over a year ago because I was tired of paying rent endlessly throwing away my paychecks, however, I realize now that what I’m doing isn’t much different. I still owe 28k on a 40k trailer and it only appraises for 15-18k. I’m tired of it and want to move into a home or room with one of my coworkers but due to the high DTI I have at this time I don’t think I could reasonably afford that. I have $7500 in CC, $11,000 in unsecured personal loan, $20,000 in auto loan, and $28,000 for my Travel trailer loan. I have a BASE salary of $77,500/ year. I do have some kickers (bonuses and weekend pay available) which bring my total gross income to well over 100k a year. My question is this, if you were in my shoes what kind of advice would you have for me? Is there a way that I can default on some of this debt? Settle? I want to start over… but I don’t think that Bankruptcy is an option due to my income. I want to invest my money and have something to show for the money I make but all of my assets at this time are depreciating.

Any help or guidance is well appreciated. Thanks in advance guys.