<prompt> Human: My finances tanked. Negative bank account, negative credit card balance, negative Amazon store card balance, negative everything. I havent even looked at what I owe community college courses and that stuff was due months ago. Basically, any account I have is in the negative and Im so fucking scared to check them that I dont even know by how much. Im going to ask my roommate for some whiskey so I can take a look at them tonight. I know I probably owe at least 3000, growing each day with fees. My credit is also most likely nonexistent.Under my circumstances, has anyone ever been able to get back on their feet from this?Wow, just reading over this makes me look lower than life. I should just call it and start sleeping outside.EDIT: After reading a few comments, I apologize for being dramatic. My post now looks very naive. Anyway, Im going to go take a look at my accounts tonight.  <response>: fwiw, and I say this as a 40 year old dude who went through a few rounds of therapy and is now, in general, relatively okay with life: you should also take a close look at the way you are bringing your emotions into what is just an economic situation and, as my shrink would have said many years ago, catastrophizing a relatively mundane occurrence. In other words, you could go hmm, it appears I have maybe 3K of debt, how shall I deal with this? or you could go I have literally fucked up the rest of my life at age 19. One is a useful if somewhat uncomfortable question, the other is a useless bit of self-flagellation that only leads to making bad choices, avoiding the issue, etc.I just mention it because I have personally found that coming to grips with the ways we sabotage ourselves and do unproductive, emotion-driven shit is an important step in moving toward a healthier way of living. And as others in this thread have noted, 3K is really no bigee. Just work hard, take care of business, be frugal, etc., and you can pay it off in a year. 