<prompt> Human: Im 21 years old and Im drowning in debt.I have 5 credit cards that I need to pay off and 1 bank that went negative for awhile and went to collections for like 400. My credit is tanking fast.Im a fucking idiot. I hate myself. I keep getting angry at my parents when they ask me if I need help. I desperately do, but using their money feels so wrong because I know that theyre not doing that great financially either.I have a job that guarantees at least 32 hours a week at 13.50hr and I think I can get it all close to paid off in two years, but Im not sure.Any debt repayment advice? Im seriously at the end of my rope. Im stressed out constantly and I dont know what to do. Am I fucked for life?  <response>: Just forget about your credit and focus on paying down your debt. Pay the high interest first. Google the snowball debt method 