<prompt> Human: 23, female, single, no rent to pay making 2000moHey everyone. I recently discovered reddit Im late to the game, I know! And Im beyond happy I found this page. I need your advice on my situation. Ill give you a summary of my current place financesdebts. Please give me any advice on how to properly manage my debt. Specifically, the student loans how to handle my court order from Capital One! I know the collections I can have paid in about 4 months. Thank you in advance! So heres the quick summary: 2012-2014 I had near perfect credit. 775 to be exact. I had a 300 credit card I used for groceries in college and would pay it right away. Come 2015. I bought a car and the dealership took my SSN and ran about 30 hard inquiries on my report. I also now had two more CC, one for 500 REIUS bank 1000 capital one. I was working 4 PT jobs to pay rent, my car payment basic necessities. Had a bad rough patch. Lost main source of income. Never paid cards. Accumulated more Student loan debt as well after taking the TERRIBLE advice from an upperclassman to take out a larger loan for living expenses. So heres what happened. From 2015-17 my score dropped to 410. Heres what is included in my debts: Currently in collections from T-Mobile, USbank, as well as smaller debts: 3000Capitol One is taking me to court in March for my debt of 1200. PLEASE PLEASE tell me how to avoid this, I want to just settle and pay it in full!Private and federal student loans: 60k 27k went to a private school, another terrible choice I was about 10 credits short of graduating my college wouldnt let me complete my bachelors because I refuse to take out ANOTHER student loan. So add to the tab, 26k I owe in back tuition for last year. Finally, my car loan. I owe 10k.Its a lot. Im drowning in it. I couldnt find employment for over six months and worked any thankless job to pay my monthly bills so I wouldnt add collections. Doing this, and Selling things on OfferUp allowed me to pay my bills and helped raise it the 100 points. PhewUSAA: 700 breakdown: I was given a bad check for 1000. I put it into savings, but had to spend it for bills. Once it came back a bad check, USAA took the amount of check out and put my accounts on hold. I paid it down to 700 but should also note I need to pay within 40 days and its been 12. - in meantime opened a credit union account and all paychecks will be deposited here. So heres my current bills: Car payment: 180 Ive been paying more when I canPhone : 100Car insurance: 140Gym: 20 Ive stopped eating out. I dont buy anything unless its car maintenance. And I dont have to pay rent since I moved back in with my parents. I got a retail job that pays 2000 a month give or take until I can find something more serious. So please tell me: how do I get a grip on this debt. Everyone jokes about it like oh were all gonna be in carhousestudent loan debt forever and I REFUSE. Goal is to at least pay off my car and all small debts this year. Is it possible? Last two questions: Can I get the student loans deferred more if I plan to finish up school at a public college if I can qualify for aid? Also, I dont have a credit card. At all. I wanted to save and get a 5k limit one from USAA the kind where you make the initial deposit is this a good idea? I know this was long, but hopefully not too confusing. Thank you in advance!!!  <response>: If you have TEN credits to finish the degree at a university, finish there if youre going to finish it. Most public universities limit the number of credits theyll transfer in and you might have to complete as many as half the credits in residence at the public university. 