<prompt> Human: I just kicked heroins ass. heroin kicked my credits ass, though.I have two student loans, one totalling about 17k and the other about 5k. the larger one is currently deferred until september after me pleading with them. both of them are hundreds of dollars past due and i almost defaulted on both of themI owe my university separately around 900, they refuse to release my transcript until it is paid offI owe around 800 for a US bank CC. Havent made a payment in months.my US bank account was closed because I overdrafted around 300. Never have made a payment.I have a USAA credit card I used 200 of the 100 limit then stopped, but lost the card and got it cancelled then stopped paying minimum balances so now its around 300 iI think, also havne made a payment there in a while.Last payment I made on anything was around 400 to the bigger of my two student loans last June so it wouldnt default. I owe 600 to a psych office since my dad forgot to tell the rest of us he lost hs insurance and the idiot receptionists when they ran my insurance card never said I had a problemI owe 800 to Fairview Riverside hospital for going in while I was trying to kill myself...I think thats it. My credit is FUCKED. no payments have been made. I dont need a lecture about how stupid what I did was. Beating heroin is something to be proud of and Id rather have this problem than not have my life. Please dont preach to me about being an idiot, just point me in a direction of what I should do.I currently have a parttime job where I make min wage but make tips average 40 a shift that I work, only work 5 hour shifts 5 days a week. looking for another jobany advice? : I know debt consolidation is bad but all the threads Ive read about them, people pay their bills on time. I took a break from reality for a year and didnt pay a single bill besides rent and electric forever. Now my bank accounts and phone is off, I dont know what else to do besides debt consolidation?help?ps im very young, 22, I didnt fuck over a family or anything. I know Im dumb, I just want some nonjudgmental advice to dig myself out of this hole.edit: thanks!!! you guys have all been really great.I understand that getting another job and working really hard to pay off my bills is what I need to do, I was just wondering if there were extra steps because they were all so past due! Trust me, Im looking for another job. I have fortunately an excellent work history and am a hard worker. I know I can pay them off, I was just worried if something bad would happen if they were all really past dueto those telling me to go to school, I cant, my transcript is being held hostage for 900. I would like to apply to a different school in my area but need to pay the 900 to get them to release my transcript first. Also, I make money off of freelance art doing prints, tattoo designs, band posters mostly and have a following for my art. This is the career path I want and while school would help me a lot, just posting a lot on the internet and making connections with other artists is a route I can take. Ive gone through periods of making 400-600mo on my prints when I was most active i am still unknown and not popular so that is another thing I am working hard atthank you everyone for your congrats on my recovery! thanks for the advice!and psIm a girl ;edit 2: my parents were very poor and before my stint with drugs I was very very very conscious about my credit and paying things on time. Its in the 500s now, last time I looked right when I started drugs it was in the high 700s.I also noticed a lot of you saying youre not that bad off and I wasnt trying to complain, its just a situation Im not used to dealing with since I used to be such a stickler for paying everything on time! I wasnt trying to say I had the worst debt im really young and havent accumulated much, I know and I wasnt looking for sympathy. I honestly was just asking for advice, not trying to say I was any worse off or my life was ruined because of this. Heroin ruined my life in a lot worse ways than this.  <response>: Did you graduate or are you close to graduating? If so, paying back your university to get your transcriptdegree could be a great early investment to allow you to find a better jobthus earn more to pay down the other debts. 