I'm in somewhat of a slump, could do with some direction and / or advice?

If you are not having any luck where your at, I would suggest your first move to move back to where your friends are. The ones you lost contact with. Rekindle the social network you once had, By having at least that, you will feel better just being able to do things again with friends, vent...not to mention they may offer ideas or help for your other issues. Your pretty much riding with only the two of you in an empty world that isn't offering you anything. So its time to start somewhere else. I would strongly suggest not filing bankruptsy, I never filed but I know that you are pretty much screwed as far as credit on ANYTHING for like 7 years. Your too young for that, Just find a job both of you and talk to the creditors, sometimes after counceling with them they will offer you a lower interest rate or maybe set up payments to get them paid off. You may also try consolodationg some of you debt into one or two payments, by doing that you save on interest. I wish you both the best and hope you pull out of your gloom. It always gets better, just give it time...and I realize with the economy in the pots like it is now a days you got a fight but hang in there, you'll make it.