<prompt> Human: So this is pretty straight forward, I appreciate those who choose to give me advice and read this. It means the world to me.I was honorably discharged from the Military 2 years ago when I was 21 and still fairly stupid and clueless. The national healthcare sign-up deadline passed shortly before I was discharged from the army so I decided to roll the dice and wait until next year to apply. Unfortunately 6 months after being discharged while I was a freshman in college I had an emergency gallbladder removal with implications during my recovery, I ended up staying at the hospital for 10 days in pretty intense pain. A couple of weeks later after I started to feel better with plastic tubes sticking out of my stomach I got the hospital bill and panicked. Altogether the 10 day stay costed nearly 100,000 in hospital bills. I was making 1200 a month from the GI bill and I still am. I went to talk to the billing department and turned in proof of my income, later the rep told me that I was ineligible with financial assistance. The monthly payment plan that they gave me was over 900 a month. I just couldnt afford to pay it. As a 21 year old with an already frugal budget and 1000 in savings I freaked out and just ended up not paying and dodging the phone calls from the collectors out of fear that I would have to file for bankruptcy which will mean that they will take my Jeep away that I needed to drive to get to school. There may have been more options out there but as a 21 year old just out of the military with no one I let fear get the best of me. I stayed in the same apartment building because I was scared that my credit score got so bad that there was no way I would have been able to get another apartment without paying a deposit I couldnt afford and would have to go homeless. This bill has been the bane of my life because of my fear of losing what little I have. A month ago I got a letter from the hospital that told me that they are keeping my tax return and that I have until December to contact them about my pending fees, some of which have been already sold to collecting agencies. Im planning to travel to the hospitals billing department next week to speak to them. I still make about 1,300 a month with 600 monthly rent as well and utilities and internet phone. Im still a full time student. Is bankruptcy my only option at this point? My car is my only form of transportation for school and I live in a small city where public transport isnt an option. Most of this is caused by my own ignorance and fears I understand, any advice on this would mean so much.  <response>: Reduce your withholding do there is no tax refund for them to take 