<prompt> Human: Back in fall 2015, my mental health issues got bad and my parents told me to go to the hospital twice and then months later to go again and then eventually to an outpatient facility. They told me everything would be paid for. I didnt find out till later that they didnt pay anything and that thousands in medical bills had already been in collection for a long time. Over the last year since I learned that fact my parents financial issues have gotten worse as has my mental health. Im currently almost 24 and have been getting better and just started a new job which Im going to put all the money towards lifting these medical bills from collection. Ive also been trying hard since a year ago when finding out about the bills to get my parents to take care of them too but they have literally been pushing it off since and giving me excuses every time.I checked my credit score days ago and it is the worst it could possibly be at 400. I began thinking about it today and in the last 6 hours have had the worst panic attack Ive ever had in my life. I realized that I cant get an apartment for years, a car, and that I wont be able to get a job if I ever finish college especially because I had likely wanted to go into something in finance. I have an uncle who is well off who was willing to loan me money to finish college, but that cant change at all the fact that if I graduate I wont be able to get a good job anywhere. I also wont find any girl no matter what I do because no one will want to be with someone whos future is fucked and who is financially screwed. I worry about a lot of things and try to work hard at controlling things so I can then let them go knowing Im doing my best, but this situation is so severe and and my future is so extremely destroyed that I dont think I should go on. I just threw things all over my house and outside and almost attempted to smash my car windows because of the utter dread thats so intense right now Im terrified. I feel so utterly and completely scared and in the worst most inescapable hell that Ive ever experienced. I tried snapping my phone in half an hour ago and almost picked up and smashed my computer, and almost tried to smash my favorite possession my guitar. I cant breath and wish that there might be a god so he can give me a heart attack and end my life. Im in so much pain and so much distress because I feel like many problems even financial problems can be overcome, but having bad credit and bad credit report history cripples my ability to get a job, apartment, and car for seven years and by then Ill be almost 31. Please guys please help me I really need help Ive never needed it so desperately  <response>: First, the financial:uVoerendaalse is right, bankruptcy is a good thing to consider. It exists to give individuals it terrible situations a way out -- a chance to fix everything. You can still get apartmentscarsetc. with bad credit. Rates will be higher, you might have to put more down, but bad credit doesnt mean no credit. If you can talk to real people e.g., rent from smaller companies, you might be able to explain your situation and get treated more fairly. Please keep your job. It sounds like its doing well for you mentally, and of course, its good financially. Having income is more important than credit. Take your uncle up on the college. Itll be so worth it. It will improve your income and life. Also:Youre not alone. People even strangers care about you. There are possible solutions to your situation. When I was 23 I had the same feelings, and had debt with no way to pay it. 5 years have passed, and Im doing much, much better in all regards. I thought I would never be happy again, but I was wrong. You have so many wonderful tomorrows, please believe me. 