<prompt> Human: X-Post from AskReddit. Should have know the comments wouldnt have been helpful.So, I dropped out of school in 2010. I just never got around to dealing with the student loan collection letters, and they piled up. I continued to ignore them.A year later I make yet another poor decision and move into an apartment with the girlfriend. For reasons I wont get into were broke the whole time and living paycheck to paycheck. We make payments on utilities only when they threaten to turn them off.Stupid decision number three well, more like number 6,284: When moving away from the apartment a year later, we dont set up a forwarding address. Ive been away from the town of the apartment for a year and a half now. Im sure they still send collection notices or whatever those move up to after being ignored to the old address.I still have not paid any student loan payments. My girlfriend got a student loan letter today and it made me remember all these problems I had been ignoring, and now Im worried:Reddit. What is going to happen to me?TL;DR: I have paid almost no bills for the past two years. What do I do? How worried should I be?  <response>: Youve received good financial advice so far so Ill add something non-financial. You may want to go to counseling. You dont seem to care about things to an extreme amount and thats not normal. 