<prompt> Human: Keeping things vague enough...Mid 30s, no kids, in a relationship maybe not much longer, also, living with relatives for free.I had a high paying job for over 10 years. Had a very small amount in a 401k. Lost job about 2 years ago and spent all money relocating to another state for SOs career choice. Spent 401K money relocating. Had existing credit card debt and student loans that werent too bad, maybe 5,000-10,000 total at the time. Losing job really fd me over as I was starting to get handle on finances. Spiraled me into a deep loss if interest in attempting to get career back on track as I was behind in current resume skills. Last year I only earned about 5,000 on my income tax return working part time minimum wage job. Extremely difficult, relying on family and government assistance. Fast forward to now: Credit card 1: 10,000 and in collections for over a year.Credit card 2: 5,000 and also in collections for over a year.Credit card 3: 13,000 and is my only source of cash flow to eat, buy gas etc and has a limit of only a few hundred more than that. Online credit account: 3,500 - not in collections yetIRSTaxman owed: 3,000 for accidentally filing self employment income wrong in 2014 honest mistake, my fault, no way out of this oneFamily credit: owe 5,000 at least to family membersFed. Student loan: 5,000 in zero income repayment plan, so no payments are due for another 8 months or so.FriendsSO owed: 2,000Roughly estimating I have about 42,000 in debt. Because of the collections accounts, my credit went from being nearly 770 to the 500s. I cannot get any credit and have negative marks. Im guessing I would need a monthly income gross of about 4,000 to even pay all the minimums and eat. I cant find work in the industry I previously worked in because my resume is severely out of date. I cant work minimum wage because its not enough to even pay half the minimums on debt. Cant go back to school because I have no money and no credit.Mental state: Because the situation has gotten so dire, hopeless, uninteresting and unsolvable by my own direction, I dont give a crap about any of this any longer. When I first knew I was going to start missing payments, I went through all the correct steps according to my financiers. I went to an official credit counselor and they basically told me they couldnt offer any solutions because I didt make enough money. I was in a state of panic for months because I had perfect credit for many years and it just started a snowball of defeat. Heres the basic root of the situation - I no longer care to resolve this, and will likely be homeless soon if my family decides to kick me out. I have no other support systems. Cant file bankruptcy, have no money. SummaryTL:DR: -Massive amount of debt in mid 30s-Not disabled, but am having increasingly hard time with mental facilities including memory and thought organizationmotivation. Instructions have been getting more and more difficult to follow and comprehension is worsening as I age. Previous employers really brought this to attention when they became increasingly frustrated at inability to follow directions.-Need a high paying job to resolve issue and entitlement doesnt mean anything meaning nobody is going to give me 60K a year just because I need it-Have only a few hundred left of credit to eatdrivesurvive on-Dont have any interest in working or resolving the situation any longer-No medical benefits-I do exercise sometimesIm posting this because Im maybe just reaching out as a last ditch effort and maybe some stranger on the internet will strike a cue with me. I feel like my case is a good study of how being jobless leads to homelessness and depression. Per rules for this SR - is the only solution a decent salaried income? Whats likely to happen to me in this situation?Thanks,edits for corrections  <response>: IRS is an easy fix, contact them. They will literally take almost any amount per month until your debt is paid. I owed almost 10k and HR Block told me to send them 25 a month. It will take forever to pay but who cares? School loans can also be put off for quite awhile, your credit is shot and a lot of times theyll offer to put your loans on hold for a year if youre struggling. 