<prompt> Human: So here goes.. I will tell you all aspects of my financial story. Someone please advise.I am 26, recently started my first job with a salary of 180,000 that goes up around 15k each year. Bonuses are expected to be around 20k per year. I have an account with 30k from inheritance. Not married, no kids. No credit card debt. No carcar insurance payments or other high monthly payments. Also own a piece of property I plan to sell within the year, possibly worth 35k-55k.Fuck up 1:I have 170,000 in debt from school. All government loans. I am the kind of person who puts things off that stress me out, to my detriment clearly. Thus, like the idiot I am, I didnt set up my repayment account until now. The account started billing in December and says I am now 8000 past due. My salary is good but not that good. I paid 3500 just now, but I have no clue how I am going to catch up. My biggest question here is, should I take money from my inheritance account and apply it towards the remainder of the past due? Other options?Fuck up 2Last year I withdrew around 8k from my inheritance account to pay for various expenses I graduated without a job offer, and had to take a huge entrance exam to practice in my field, so I had to pay for rent during the summer and the prep course. Like I said above, I am an idiot and did not consider the tax implications of this, given that it technically was income. My mother JUST TODAY informed me that the IRS has been sending me letters, which she is forwarding. Guys I am completely stressed out right now. I feel hopeless even though I worked hard to get a well-paying job. I have a million questions, but if anyone could help, offer advice, tell me it is going to be okay, I would greatly appreciate it. Money stress is the worst stress, as many of you know. I just want to feel like I am on top of my shit again. If anyone has any recommendations, or just comforting words, please share.  <response>: My salary is good but not that good.Laughing. 