<prompt> Human: I had an episode of mania over the past three months.Along with a whole bunch of other problems I inflicted on myself, I spent 11000 on credit and didnt attend classes which I enrolled in this Sept. whatsoever, which the student loan centre is considering a fraudulent enrolment, meaning they want the money back plus the student loans for the past four semesters.I signed a year-long lease for a 950 mo apartment for Nov. 1st.I dont have a job currently, and Im on welfare waiting for disability to approve me. I cant afford any of this, Im not even sure Ill be able to make minimum payments on the credit cards.If I default I probably wont be able to get student loans which will screw over my education completely.Ive been putting this off because thinking about it makes me feel outright suicidal. Im trying to sell as much of the crap I bought as I can.Does anyone have any suggestions or ideas?  <response>: I know it really sucks right now but youll make it through. While it seems insurmountable, it isnt. Chances are that somebody in your family went broke during the depression, yet they pulled through and probably emerged stronger in the long run. If you really are feeling suicidal, get help immediately. Fortunately, I think that when you take a step back it wont be as bad.Now to the practical advice I cant claim credit for any of this:Priorities in this order1. Food- you cant function without it. Eat cheap but eat.2. Utilities- Again, cant really function without them and if you dont pay, theyll shut off pretty quickly.3. Shelter- You need a roof over your head, its only a lower priority than utilities because usually eviction takes a while. It might be a good idea to sit down with your landlord and try to talk your way out of the lease. Try to explain that 950mo on welfare isnt doable so the landlord wont get paid eventually, the only question is whether they have to go through a lengthy and expensive eviction process, or they let you out voluntarily. Once you get out, rent cheap.4. Transportation- A bus pass is a powerful thing.As far as your student loans go, Im not well versed in Canadian law Im assuming youre from Canada because you used and spelled centre so I cant give you a ton of advice. Try to work with your school to get a refund on your tuition to repay this terms loans.Do something to make money, if it means flipping burgers then so be it. I would recommend doing something on your own as well, anything youre good at...dog walking, odd jobs, shoveling snow especially if youre Canadian, just make money right now. After you take care of your essentials, then negotiate with your creditors but never sacrifice any of those to make a bank happy.You might have to take some time off from school to get your feet underneath you again, but I believe that youll be able to pull through. If you take care of whats listed above, its all just a Monopoly game that youre behind in. Stay strong and dont be afraid to reach out for help if you need it. Nothing is worth your life. 