<prompt> Human: So, as the title says, I royally screwed up. Please dont berate me on this, its a terrible situation already.More specifics about the situation:-Ill be 26 in one month-I owe 22000 principal on the car-DWI will eventually end up costing me 10,000-15,000-I have about 7,000 in credit card debt-Still owe about 30,000 in student loans-Hospital bills will add another 2,000-3,000Im really just looking for any advice here. I can handle the DWI stuff on my own, but it just adds a lot more complexity to the situation. Some people have told me that I should file for bankruptcy, which seems daunting at such a young age. If I did do that, I would need to find a way to pay off the car first, no? Since technically I do not own it? I know the bank will eventually throw their own insurance on it, which will raise my monthly payments. Something I cant really afford right now. I have two months left on my apartment lease, at which time my parents are going to allow me to move back in to figure this stuff out. My world seems to be falling apart, and Im just looking for any advice I can get. If there is any information you need from me, I can provide.Edit: I am done drinking for the rest of my life. It sucks that this had to happen to make me realize my problem, but it will make me a better person.  <response>: Step 1: Stop drinking. Get whatever help you need to get to make this happen. You will be forever fucked, financially, personally, every way but the fun way, until you fix this one thing.Step 2: Ask a lawyer these questions. This isnt a personal finance issue. 