<prompt> Human: Im 20 years old and i have one credit card which is maxedstudent credit card I maxed it at 1000 i have missed the payments since October, im pretty sure my credit is fucked. My minimum has gone up i cant afford to pay them anymore. I have 2 jobs and still not making enough. Im also paying for school. I live with my parents and have no bills, i have a bad spending habit, i try to save but i end up spending my savings always.I have a debit card which has negative balance of around 2000 I made a very stupid mistake My bank keeps charging me with negative balance fee and overdraft fee. I have no idea how to handle all this debt. i no longer answer my phone from numbers i dont know, i dont open mail Im just scared of looking at those huge numbers. Im thinking of applying for a loan to pay off my debt, i asked around i have been told to stay away from payday loans i was close to getting one. i just need help and advice on how to go about things, its killing me, i think of it too much. thank youAssistant: Something isnt adding up here. Whats your overall income like? Have you talked to the bank and your credit card company at all? What do you spend all your money on?Human: I make 400 per month and i just help my parents pay stuff the cant afford. I havent talked to my bank, i dont know what to tell them and gas, clothes, food, fixed my car a bunch of times its a piece of junk  <response>: You need another job, stop giving money away, and start calling your creditors. Do not ignore this, youre about to rig yourself for a bankruptcy if you do. You can totally get out of this with just a minimal amount of hard work. 