<prompt> Human: Hey guys, read the FAQ, but I still felt I could use some of the advice from experienced users on this subreddit.Heres the breakdown: Im earning as little as 750 some months, while I might earn as much as 1800 other months, due to owning my own businessself-employment contracting. I made a stupid decision, took out some credit card debt, and even worse, never put away money to pay the IRS. Ive started getting threatening letters from multiple companies by way of certified mail. Heres what it looks like:Debts IRS: 1300 from 2013 will go up once I file 2015s taxes, not sure what the interest rate is on this Synchrony Bank: 1000 almost a 26 interest rate. PayPal Credit: 963 19.99 interest rate.Income Revenue from writing for clients: anywhere from 500 - 2000Expenses 60mo - Phone bill 25mo - IRS Synchrony Bank - 50mo 20 fee every time I deposit a check from Canada 200 - 300 a month in groceries There are some additional expenses here or there. Sometimes when I borrow a car I dont have my own, Ill throw in some extra gas, even fill it up at other times. Then therere some other little one-off things, like 5 here, or 2 there, and so on. Another thing that might be important: Im going to be taking classes online, starting in January again - should have a year until graduation.Anyway, can I just get some advice on how to work through this mess. I feel like Ive already screwed myself over at 21 - being able to talk through how to handle this would be really helpful to me.  <response>: You have 3,200 in debt and consider yourself screwed. Look objectively at this - youd be out of the situation if you delivered pizza for three months. 