<prompt> Human: Hi, Im 22, I work for Instacart and is my only source of income. Its a great job, I love it but without a car, I am pretty much without funds. My insurance refuses to help pay for damage since I was on the clock, and my job doesnt provide insurance since I am not W2. So now Im stuck with the bill which is close to 5k. I dont have the money for that and now Im worried Ill be homeless if I cant find a job that can support me in an expensive city.I have no idea what Im going to do. I already signed up for jobs, but theyre minimum wage and I wont be able to support myself on that alone.Edit: I realize that I am missing some of your comments or havent been notified about them. Sorry if I havent replied yet but I appreciate the help most of yall are putting into this thread and am working on replying to all the messages.  <response>: Get a loan to fix the car no cosmetics, get your tax situation clear so you know what exactly you have to do and what you didnt in the past!!! and then make it your highest priority to pay back the loan and your credit card no more going under 0 if you dont abaolutely have to!!. No purchases you dont absolutely need or have a high positive impact on your life.After like a year or two you should be perfectly fine and debt free depending on your income and you can work on improving your credit score. 