<prompt> Human: Please, I know I screwed up, so I dont need chastisement. My anxiety is out of control. I owe 12,000 on a car, of which I pay 250 a month. What worries me is that I have 7,000 in two school loans which I just found out defaulted letters sent to parent house, didnt know. I am self employed and this will be the second year I havent paid taxes. I dont know what to do, where to turn for advice and help. Growing up in an extremely poor family, my sense of finances is nil. What do I do?! Who do I call?! I know this is stuff I should know, but Im so freaked out especially with unpaid taxes and debt collectors calling about the loans that Im paralyzed. Its not that Im living paycheck to paycheck, but I dont know how to deal with these kinds of things. I know this isnt a professional space, but is there somebody a profession or an organization I can call to help sort this whole freakin mess out? Ive tried a few places in my city, but their investment counselors and want application processes and time... I could use some help now to deal with my anxiety. Im not looking to invest, I looking for somebody who knows who to call, the right things to say, where to get the forms, etc... Thanks for any help you guys can offer! God bless!  <response>: You could start by detailing your income vs expensesDebts. At least explain so people can account for every dollar. 