Anyone have any advice when you feel like you're down and out? Or stuck in a hole you just can't seem to climb out of?

Make sure you apply the wisdom you are receiving here. Talking about it is easy...now you gotta put in the work.
Thanks for bringing it to RP, we might tell you some hard truths but you need those sometimes...Lean forward in that foxhole.

First of all you are not alone. At one point in my career I was an E-3 and $32,000 in debt not including the car payment. Been there done that. The good news, you will get through it. The not so good news, it takes time. But I know of a few resources that can really help you out without detroying your credit. Message me if you would like to know more. Cudos to you for reaching out here for help. I am sure there are a ton of people here who have sailed in that boat including myself. I am more than willing to help where I can.

Each one of you just poating something, helps i guess for.me personally ots getting.to a certain point in april were everything stresses me out.. Between money problems and a anniversary of a death ot gets really tough. Nothing.comes without effort and being new to rally point im am extremely happy that i have brothers and sosrers who car so deeply to.go out of.there way to answer questions and provide support when needed. You all in one way or another have helped me.through another rough day and i mean it with all i have in me