Well, I'm 20 years old, and screwed. I have 2 student loans- which are oh about 18,000 and no degree. couldnt afford college. i have a 16,000 car- which i pay, thats no problem. i have at least 1500 in hospital bills, and a 1500 cell phone bill, in my name, which i signed for my parents, but they never paid the bill. oh, i have 4 credit cards, about 2500 altogether , im about 40,000 in debt, and i make like 30,000 a year! i really need help, or im dead. i do not want to file bankruptcy.