<prompt> Human: I feel like I need a lot help. I dropped out of university, sustained on credit cards and got a DUI. Im trying to turn my life back around but its daunting. Heres a breakdown of what I owe: University: 9350 60mo Credit Cards: 2875 60mo CourtProbation: 2000 min 50mo 2 Months Rent Remaining on Lease: 1000 500moI currently dont have a job or a valid license and am moving in with family this week across the state. Other than working my ass off, I dont know where to start. My court debts arent building my credit, is it possiblesuggested to get a loan for it? Is credit consolidation ever a viable option? Is it okay to let anything go to collections? 400 of that CC debt may be close to doing so. Any other advice for my situation???  <response>: My court debts arent building my credit, is it possiblesuggested to get a loan for it?Any kind of restitution ordered by the courts will generally have a lower-ish interest rate. You wont be able to get a loan for it at a lower rate. Moreover, why are you asking about building credit here and then wondering about letting things go to collections? Is credit consolidation ever a viable option?Sure, but until you get a job, its not really feasible. You need income for credit consolidation to work. Is it okay to let anything go to collections? 400 of that CC debt may be close to doing so.Letting stuff get into collections is a surefire way to tank your credit score for a couple years. Any other advice for my situation???Sell plasma, do odd jobs on Craigslist, do whatevers necessary to keep your head afloar. 