<prompt> Human: First and foremost, this has been a huge learning experience and I have realized the value of dont spend what you dont have., albeit the hard way. I coped very poorly with a friends suicide and learned the errors of my way. I just want to be on the right track of being a responsible adult. I graduated college last summer may 2015. I had a job paying about 25k annually. Last summer, a month after graduating my friend committed suicide and it greatly affected me my own father did the same. I felt bad for not being there for them and felt immensely regretful. I had this idiotic mindset of just doing things no matter what and not have any regrets how ironic. So I got some credit cards to go on vacations and spend it in other lavishly stupid ways. I somehow was given 15k in available credit around July 2015 didnt lie about my income or anything on the applications and maxed it out by September 2015.Well to compound everything, I lost that job around October 2015. I was then put into a worse position of being stressed about the issuing credit company calling me to make payments. Not harassing, but I didnt take responsibility and ignored it all. My parents helped by loaning enough money for me to pay rent and food. Experienced depression to the point of almost shooting myself one drunken night last winter. Finally I snapped and realized I need to fix this and be an adult. By January of 2016 I sought hard to get a job. I made job hunting a full time job and landed a stable 65kyear job a month ago. Yet like a fucking fool, I still avoided the credit card payments trying to help pay back my mom, my friends, and save for the taxes I didnt pay was an independent contractor at the first job.Well inevitably my cards were charged off. Thats when it hit me how badly I had fucked up and seeing how that will be on my credit report for 7 years. I know about the statute of limitations and such and also that I would get sued more than likely. But decided that I am going to pay this off even if its charged off. It just would feel wrong to try and get out of this. I also dont have many bills and a decent income, so easier said than done for most I know.Current situation:3k card charged off possibly5k card charged off.7k card charged off.15k in student loans, which I have continued making min. payments 150 on thinking a default is the worst thing.3,300 due in taxes on September 23rd made a 120 repayment planCurrent salary is 65,000 a year 1700 each semi-monthly paycheck after taxes401k my company matched up to 6 and I contribute 12Still owe my parents 3,500. They need it for a down-payment on the house so its a priority besides simply for doing the right thing.No car payment.Rent is 350 a month.Spend around 300 in food a month.No other bills, I live frugal now.I have talked to the collection agency whom have been friendly with me and professional not what I expected We have setup a payment plan of around 600 a month for the 7k card, 400 a month for the 5k card. the 3k one has not contacted me yet. I paid the minimum but dont know if it went through in time.I guess I am just looking for any comments. Advice, tell me Im not a horrible person, or personal stories. Please just be polite, I still feel awful about all of this. I have gotten over the suicidal thoughts though. I have learned the value of money and more about myself such as actually practicing the art of delaying self-gratification and dealing with grief more constructively finally after all of this. Probably the only silver lining to all of this. It feels so good to write this all out. I cannot tell anyone, especially my parents who would be so stressed and sad if they found out. And if it just feels awesome to be in a good financial standpoint and viewing this makes you feel better about yourself, please refrain from telling me. This whole ordeal has been one of the worst self caused problems in my life and I am trying to fix it.Thank you.  <response>: Honestly, you almost tripled your income... It sounds like this may have been a fortuitous event for you in some ways hitting rock bottom and snapping out of it not the suicide. Most people would probably take 35k debt for that kind of income increase in a heartbeat so try looking at this as a positive in some sense.With that said your situation isnt that bad given your expense and income level. Keep your head up and follow niccikaties plan 