<prompt> Human: Financially this is sort of my history timeline nbsp;Around 2011 I took-out contract with att and lost my job later on. Had a debt of Around 800 that would eventually go to collections.This same year I recieved a credit card from wellsfargo and maxed it out.. A lot. 700nbsp;Late 2012, Younger dumber me decided it was cooler to finance a mustang instead of worrying about my debts so I financed a 4500 car.Now this was not through a bank or personal loan. Just a shady buy-here-pay-here dealer willing to take 2000 as a down payment.Surprisingly nothing about this went really wrong until much later.. it will come up. car was paid off successfully within 2013I was going to school with the help of FAFSA Federal student aid.I had these two classes that I wasnt doing to well in and instead of withdrawing when I had the chance, I stuck it out and failed.This lead to me not qualifying for financial aid, I havent had the chance pay for my own classes for whatever excuse I had back then. I plan to change that this year. Although after that I did take a class and took out a loan from the school for 700nbsp;2014 October I crash my beautiful mustang, it was a rainy day and I lost traction in the rain. Thankfully no one besides me was injured, and no other cars were involved with the crash.My car is junked, my shoulder is fractured, Ive got a nice concussion, and I am deep 25k in debt from medical bills. After healing I irritated my back at the gym because I now have two slipped discs in my lower back, possibly from the crash. Add another 3k for the emergency visit after that happened.nbsp;Now, financially its taken me a long time to really mature. I started working and earning money at a really early age of 14 but I didnt know what I was doing. The accident was a huge reality check of how big of a mess my life was, I needed to mature and change all that.I accepted a 23k a year job offer early 2015, I currently have 200 In my checking and 3k in savings.nbsp; My debts, ATT is paid off Credit card is paid off School loan is paid off Jackson Hospital is owed 25k Mercy Hospital is owed 3knbsp;My problems are the medical bills, I am never really off the clock with this new job and the hours are rough on a normal persons schedule. I havent taken any steps into taking care of these medical bills and honestly I dont even know where to start.Sorry for the less than spectacular post, I didnt even know this subreddit was a thing. I was excited to post my situation and will appreciate any advicenbsp;EDIT: Hey guys thanks for all the advice!! Sorry I dont have time to reply to everyone individually. But I am reading everything posted, I am going to see if the debt is in collections.Something I forgot to mention, Im going to see if I can take care of the 3k one first, the hospital that is owed 25k has sent bills but not collection notices. The 3k hospital has sent a warning a while ago, so I am going to start there.  <response>: In my experience with medical debt, they usually take any form of payment they can. Make sure to get in contact with them RIGHT AWAY before they send it to collections. As long as its still with the hospital they will take payments and be nicer about it. I have been in a similar situation, and we sent them 25 per month. You would never pay it off at that rate - but it will keep them happy, keep it from hurting your credit, and buy you time until your making more money so that you can make larger payments. The second thing is to make sure you are tracking your expenses. Budgets are good, but my guess is that things are pretty simple with your finances, so it wont require a very detailed system. The key though is to set up a good foundation as your progress in your adultbusiness life and have more money - and hopefully keep from going down the path of most people who then raise their expenses and never actually get ahead. 