Hi all. I'm only 24yrs old and already I've enrolled into a debt consolidation program one year ago that doesn't seem to be helping. Right now I am without a job and actually negative in the bank. I also owe about $600 in taxes and can't pay that either. I'm extremely stressed cuz I don't know what to do or where to turn. I am signed up with a job-finding company, but no assignments yet so no income yet. I've never been this broke in my life and I don't know how to handle it. Should I file bankruptcy considering my credit is horrible anyway or is there another solution? I know that I qualify for disability, but I guess I'm one of those people who is too proud to take money from the government when I know this is all my fault. Someone please help me out here and give me some advice. On top of everything else, I am already about $30,000 in debt with student loan bills and by the time I'm done it will be closer to $100,000 so I'm freaked out about that too. I don't want to make things worse so what do I do? Please Help Me?!?
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