<prompt> Human: Im a stupid 25 year old and only now starting to pay off my debts. I finally have had the balls to check my Credit Karma today and my credit score shows 418399 between Transunion and Equifax respectively with a few Open Accounts including my Secured CC And Student Loans along with about 17 closed accounts, 7 derogatory marks, all from mostly quick payday loans I would take out in 2014 during a horrible, regretful time in my life.I got a court summons for a CC this year and am currently paying that off 450month.Where on earth do I even begin tackling all of this debt?I got a notice in the mail regarding my student loans and that theyre going to default next week if I dont call them. The amount is like 25,000. Thought I should add this in there.:,Assistant: The writeoffs will age off in seven years, so life begins at 32, I suppose. You can be sued for debts up to the statute of limitations. The student loans will hang around, though.Other than that, you dont give any information that would indicate any specific payoff plan. Human: Should I even pay the closed accounts off of just wait the 7 years? And I apologize, I currently dont have a plan. I have no idea how to tackle this or where to even begin. Im paying off my CC debt every month only because I got sued for it and as far as I know, thats a closed account.Assistant: It doesnt matter if accounts are open or closed for these purposes.From what you wrote, it doesnt sound like you have the money to pay these off, so you probably wait it out. Human: Wait out the student loans as well?  <response>: Student loans hang around. Plan to pay those. 