<prompt> Human: A couple of months ago, I had some really horrible luck. I had herpangina and then a week later, cellulitis. I had to go to the emergency room twice. Combined, I have about 4,000.00 in medical bills that Im only now seeing because they sent them to the address on my I.D. to my parents in Georgia instead of my home address in New York. Im upset about that because I gave them my home address as well and never received anything and now Im behind, but more upset because I have no idea what to do. Im in college with a huge debt load, Im unemployed, and I have no health insurance. I can barely afford to live as it is. I dont eat out and mostly live on ramen noodles and other cheap stuff, I dont go to movies, etc. I literally am that broke and while I am interviewing for jobs multiple times a week and have a few second interviews coming up, I dont have anything yet. What should I do about this? Im terrified. I know that this might wreck my credit score that I worked really hard to build up and its also super embarrassing and frustrating.  <response>: There should be a number on your bill for their billing department. Call that number and ask to speak with a financial counselor. Most hospitals have them, and they can help you with payment options, or see if you qualify for charity care hospital forgives the bill essentially, and writes it off to charity care. If you dont qualify sounds like you should ask to be put on a payment plan. They are often times zero interest, and you can make small monthly payments instead. Hope that helps. 