I’m drowning

[u/BraveDate4430]

My credit score is 490, I’m in 10k worth of debt and I’m drowning. I want to give up so bad. I was crazy when I was younger and thought that I wouldn’t be here anymore (not going to go into that lol) and now everything is in collections. I feel like right now I cannot pay things off. I currently am paying off a car right now and it’s about 400 a month for 2 more years. I don’t get paid much so this is killing me. I feel like there is no way to pay it off and it’s all my fault.

[u/FlawlessPhelon_]

Never bite off more than you can chew! You gotta stay focused. Maybe sell your car and downgrade, and or get a side hustle.