<prompt> Human: Hello everyone,I have a massive problem on my hands. Not sure how massive, as I have been ignoring this problem for as long as I can but now it is time to face it.I recently graduated college. I have three federal subsidized student loans, totaling to 14,619. I had three credit card accounts that I stopped paying a year ago. Balances of 2,101, 3,351, and 775. They have all gone to debt collection agencies.Finally, I have a medical debt of 100,804 that has also gone to a debt collection agency.How I got into this kind of debt is a long story -- I was in the hospital in 2011 for about a week and had no medical insurance. I fell into a deep period of depression and eventually I wasnt able to pay my credit cards. I had been able to pay for the credit cards through by working with my parents under the table, but I just got in way over my head and ultimately wasnt able to pay. I still live at home with my parents. I have never had a real job. Have never answered a call from any of the debt collectors. Dont know what to tell them, really. The thought of it frightens me.I know I am in a pit that I dug myself in. I am looking for employment wherever I can -- even out of state, though I am afraid I wont be able to live on my own while having to repay all of this. I am at a loss. I never learned about personal finance of any way, and do not know where else to turn. Should I declare bankruptcy? Should I call the debt collectors and let them know my situation?Thank you for hearing my story, any advice is welcome. I am ready to face my problems.  <response>: To be blunt: Get a job and start paying your debts off. If part of that means negotiating how much you owe, then so be it. Sitting at your parents house, not getting a job, and not answering the phone is not going to solve any of your problems. You have less than 150k in debt and youre sitting around like its the end of the world. On top of only having 150k in debt, you have earning potential of 50k a year. Nothing to laugh at. Im not saying everything will be peachy keen from here on out - but you have a manageable amount of debt for your income potential. Since youre young and your peers are making 50k out of university, I assume that is not the upper limit either. In 15-20 years, youll be making what? 100k? Maybe youll reach that sooner? By then, you will have forgotten about your 150k debt and be on your way to doubling that amount in savings and retirement accounts.Take that first step, you cant pay people back if you dont make money and your debts are not going to disappear by making some magical phone calls. Make money. Negotiate your debt amounts youll probably see more returns in working on the medical bill debt. And start your life. 