<prompt> Human: So basically, my mom passed away when I was 16 and Ive been on my own ever since. Ive had zero real world financial guidance as my mom was sick through my teens and she was a single mom of 2 kids. I couldnt keep up with bills and used credit cards to survive for a couple years. Ive always only been able to afford the minimum payments so Ive never really made headway paying them off. I was okay like that for a bit until I took a huge pay cut and couldnt make it anymore. I took out several payday loans over the last year and am in way over my head. I also had a huge lapse in mentalphysical help diagnosed borderline personality disorder and manic depressive and it basically led to a total shut down where I just stopped paying my bills for months in order to survive off my paycheck and just feeling completely lost hopeless, coupled with wasting money in unhealthy coping mechanisms. Im now roughly 4000 in debt with 3 accounts in collections and 4 delinquent loans, one of which I just got a court summons for and Im freaking out. I cant afford to pay everybody. Please help me start in the right direction.Im in Colorado, 22 years old and I make about 28k a year. Edit: I am currently in treatment for my disorders and I am getting married in 2 months if that affects anything. Also changed to 4000 bad typo to makeEdit 2.0: IM SO SORRY THAT I CANT REPLY TO EVERYONE. I am so overwhelmed with the support Im receiving. From resources to donation offers and partners in mental health. I honestly expected one or two replies. Im getting a plan together and feel so much more confident in tackling this. Thank you all so much.Assistant: You are young, its only money, and not even that much money. This debt isnt going to put you in jail, it doesnt make you less of a person, you just need to come up with a plan to deal with it so you can buy carsown a home that kind of stuff later. What is your total debt? How much is current? How much is in collections? Human: PAYDAY LOANS;347 this is the one I just got a summons for658320345CCs all in collections:657710689 Medical bills in collections total about 350Totalling around 4070  <response>: Bro, bro, bro, this is nothing...I had 35k in debt. Dont worry bout it. 4k is NOTHING. Pay what u can. 