<prompt> Human: 50k in college loans, and I recently did a credit report and found out that I have a couple bills in collection agencies. The messages about the bills were sent to my mothers address and she never told me about them. On top of that Im trying to get a car, but with my poor credit and small amount of money in the bank thats kind of a crapshoot. Im 25, working a dead end job because I cant get one with my degree, and all this debt and bad credit had got me feeling like Im nailed to the floor.  <response>: The student loan debt isnt anything too bad. Do you know if they are unsubsidized or subsidized? Have you looked into income based repayment? If you dont make much at your job this might be a good option. What are the bills in collections? How much are they for and how old are they? You will have to tackle these one by one. Theres no way around it unless you want to declare bankruptcy but it doesnt seem like youre in that bad a of a spot. Cleaning your credit up can take time. I would avoid taking out a car loan until youre on firmer financial footing. Best advice would be to save up some cash and get a 3k beater. Use that for a couple years until youve got things under control and then look at upgrading. 