<prompt> Human: Im 24 years old and owe 2,583.00 in regular debt and 15,226.00 in student loans. I never finished college due to debilitating depression and anxiety. Now I owe money to 6 different places not including student loans and was wondering about consolidating. My credit score is like 395. Its awful and I just hate myself right now.  <response>: whoa man, dont be so hard on yourself. Give us some numbers, you can fix anything with enough time and effort. 