<prompt> Human: Sorry about formatting in advance. Im on mobile.I am currently a college student and I made some really stupid mistakes when I turned 18. I opened 7 credit cards in a short amount of time and maxed them all out. I was able to pay them off fine for roughly two years, but then I lost my job. Not many people in the area want to hire college students due to constantly changing schedules and the stigma of college students being unreliable. So, even though I have been looking for a job for over a year, I am still unemployed. I stopped paying all credit cards a year ago, last December. Now, they are all in collections with one, Discover, suing me currently. I have no money whatsoever. I am completely dependent on my parents and my fiance for income. I dont know what to do. I have called all the agencies and asked what my options were and essentially I was told to pay up immediately or be sued. I graduate in under a year and I am very concerned with how 7 collection items and one judgement will affect my chances at getting a job, renting an apartment, and going to graduate school.Any advice anyone has would be extremely helpful!  <response>: If you have literally no income, no money, and cant get a job because of being in school, how do you think grad school will help this? You need to get your financial house in order before deciding to take on grad school debt. 