<prompt> Human: I want to say to start this all off, I have messed up big time and I know that. Im not really looking for judgement because I already feel like a big enough loser as is. All Im looking for is advice on how to get out of the massive hole Ive dug for myself.Earlier last year I got really sick and was in and out of the hospital for about 6 months. Im better now but have tons of medical bills around 25,000 that are in collection and I dont even know where to begin. On top of that I have about 50,000 in student loans and they are starting to garnish my wages very soon. Ill be honest when I was sick I just let everything go and didnt pay anything. I was out of work and could barely function. Now that Im better though I have no excuse other than the fact that I stupidly just didnt pay on anything and now its catching up to me.So where do I begin? Can I even get my student loans back on track so they stop garnishing my wages? I dont even have all the records for everything I owe so I feel like I am screwed. Is there a resource where I can look up all of my debts? I know this sounds like a lot of dumb questions but I really have never owned up to my problem and Im ready to be an adult and deal with it. I want to pay whats owed and get back on track and my credit in order so I can actually have financial security one day.As a note all my student loans are federal because I know thats a big deal. Thanks for any and all help and if I need to provide any more information I will definitely do so.  <response>: Theres some really good advice in this thread, but I just wanted to pop in to tell you not to be too hard on yourself. Your health always comes first, and nobody is judging you for not worrying about bills while you were hospitalized. Hope everything works out for you. 