Syag:
Without more information I can’t tell you right or wrong, but it is certainly worth a try. Assuming the OP makes 25K a year (which he could do working in Wal Mart or Target) and gets FS, WIC & Medical, rent @ 1K a month, I still don’t see it. Maybe high student loans are involved (Blame Bush for those).
Besides, a CFP would help eliminate waste & perhaps suggest some new ideas. Sell on Ebay. Post flyers. Pick up older items from bakeries. Switch to energy efficent lightbulbs (HEAP?). There are lots of ways to scratch out a little more, and people sometimes just need their eyes opened.