I just need to pay off my debts

It is the time to enjoy your life at this young age. But at the same time, make sure you take care of your responsibilities also. Take care of your credit because it will have its own impact in the future. If you take care of it now, you will get good returns in the future. If you act irresponsible and not care about your credit, you will only suffer the consequences. It is my advice without judging you because I have already gone through such hard times out of this.

Terin..
Is there any way you can trade it in for a cheaper vehicle???
You must try to remember to pay your bills. I have a desk calendar under my computer keyboard and once a bill comes in I write the due date in bold red on it.
I also keep it in a place where I usually frequent..my computer! lol
Paying your bills on time is going to do a world of good for your future credit reports, continuing to do this will only add to your credibility to obtain a mortgage or automobile at terrific interest rates.