<prompt> Human: I made a throwaway as a few people know my username..Anyways, I am a 20 year old college dropout who is in dire financial stress.I went to a 4 year University for 3 semesters. During the last semester, I became very depressed and suicidal. Towards the end of the semester, I spent some time in the hospital. By the time I was released, there were only 2 weeks left until finals and I had just missed a good amount of classes. On top of that, I was already struggling so I ended up taking incompletes in all but 1 of my classes the class had a contracted instructor meaning I was unable to take an incomplete in the class for some reason which resulted in a GPA of around 0.9 and an automatic academic suspension. This hit me very hard.But this is rpersonalfinance so let me get to that part of it.As part of my mental state, Ive had a really hard time taking care of obligations such as paying for tuition my final semester. In the end, I was never able to pay for it and the debt went straight to state collection and currently sits at about 10,500.As a result of my debt, I now cannot attend another school until the debt is paid off which will probably take me a few years if it was my only expense.So currently I am stuck at a 11 dollars an hour retail position and living at home I recognize that I could be doing worse. Prior to that I was unable to work mentally and realistically still am but felt that I had to do somethingwas being yelled at everyday to get a job literally. Anyways, on top of the 10,500 I owe to state collections, I also owe money for the student loan I took out to pay for my freshman year. As I am no longer attending school because I am unable to mentally and financially they now want me to start making monthly payments of around 110 or a total of 7,500.On top of that, I have other federal loans at least a Stafford loan, I really cant remember I took out that I have no idea how much I owe on.And thats just Academic debtSince my first hospitalization, I have been hospitalized 2 more times since then. I havent been able to make any payments on those hospital bills yet but combined they are around 6000. On top of that, I have visited 7 different therapists and been in 2 hospital outpatient programs totaling me around 4000.As I havent been able to keep a job until recently, I did a dumb thing and took out 3 credit cards that are now maxed. On top of eveything, Im a semi-serious shopaholic. Ive been known to buy things I cant afford to try to feel good. Anyways, I owe around 1600 on the cards but I should be able to pay them off in the next few months if I make it a priority which is my plan. Beyond that, I have no idea how to proceed.To tally everything. Thats about 18,000 in academic related debt, 10,000 in medical debt and another 1600 in credit card debt. I have no idea where to go from here. Having any sort of plan I feel might help however instead of ignoring my finances like I have been doing for the last year as Ive just been too scared to face it.At this time Id love to be able to focus on my health until I get to a better place mentally but Im just not sure if I can afford it and the debt is one of many huge stressors in my life right now. Ive sunk around 10,000 into trying to improve my health but nothings really changed. Not sure if this was the best place to post this but here I am. If anyone has any advice for me or advice as to somewhere I can turn to for advice. That would be greatly appreciated.  <response>: First, cancel any credit cards you have with a 0 balance. Call the cards with a balance and ask if they will give you a reduced interest rate and fixed payment plan if you close the card. Dont give yourself the tools to make this worse. Put yourself on a cash diet and use a prepaid card like a Serve to buy things online that you budget for. Next, call the hospitalstherapists and tell them that you cant afford to pay. Ask about charity care, or a payment plan based on your income. Many will reduce your bill or take a very extended payment plan as a result. Go to healthcare.gov and apply for insurance if you dont have coverage through your parents. Third, call your student loan lenders and ask about income-based repayment plans. Your federal loans have several to pick from, your private loans may have a limited deferment or interest-only payment plan that you can use to get back on your feet. You can find the servicers for your federal loans on the National Student Loan Data System. You already know that your income is holding you back, but only you know what you can do without sacrificing your health, which has to be your first priority. If you get these debts onto low, fixed payments, especially the student loans, you can have the space to get that sorted. 