<prompt> Human: Alright, where to begin? My financial situation is a disaster and I have no clue where to go from here and Im nearly on the verge of killing myself. So Ill start with my taxes.My mother is a tad bit insane. Shes really smart though and offered to help me do my taxes. She did them the past two years. However I just found out that she actually didnt do them at all. She lied and told me she completed them and I wouldnt be receiving a refund so I just let it go. So thats two years of no taxes being filed. Looking back, I was in school for that first year, so i definitely should have gotten something back. Now I need to know in order to file my taxes this year do my previous years also need to be filed? If so, how do I do that? Im also in a huge bind with college. I took classes in 2014, my first and only year. I stopped going because I was supposed to be getting a loan with my father for 8,000 but we got into a huge fight and he refused to help. We havent spoken since. However I still got stuck with that 8,000 bill. So I signed a promise to pay with my university. I havent payed them back. I just got a letter from my state attorney General that my university have my debt to the state collections department and I now owe them the money, which after interest is around 8900. I also have student loans that defaulted from the federal government totaling nearly 6,000. So to summarize, I havent filled taxes in two years, defaulted on federal student loans, and was sent to collections for my past due balance with my university.My only saving grace is that I have been working a lot lately and have saved 8,000 so i feel all hope isnt lost. Someone just please help get me started or send me in the direction of someone who can help. I want my life back.  <response>: First: 1-800-273-8255 for the National Suicide Prevention Hotline. 8,000 nor any amount of money isnt worth your life. 