<prompt> Human: So I had a bit of a self destructive streak in my early days of credit and took on lots of debt, ignored lots of creditors and was just a shitty borrower.I want to fix that. A while ago I came to this sub and asked where to start, I was told to look at my credit report and go from there. I did that and Im even more overwhelmed. I make enough money per year 80k that I feel comfortable paying a service to help me fix all my debt.Does anyone know where to start on that? Do consolidation services take in defaulted private student loans as well?Tldr: Im looking for a service to help me manage my debt and fix my credit as well  <response>: So youre in debt because of bad financial decisions and you think making another bad financial decision is going to solve it ?? 