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I am 22 years old and have almost 30,000 dollars in debt from a failed engagement and credit cards. I work 3 jobs and go to school to full time and try to make every payment I can on time, but it never seems to be getting better. I can't go any further in school and work this many jobs just to make ends meet. The only thing I own is a car and it is paid off. Is bankruptcy an option for me? will I lose my car? I live in TN