conversation: User (edtom1226): "Ok, here we go. I'm a full time college student. I took out loans for all of it. I'm $30k in debt studying land surveying. It's a really physical job so I can't get an Internship until I'm healthy again. I'm 2 years from graduating. \n\nThis last summer, I was diagnosed with Non Hodgkin lymphoma. Luckily, 3 months before I got diagnosed I got a form a Obamacare. So my insurance covered like 95% of the hospital bills. I went to 3 different hospitals for treatment and was seen by atleast 30 doctors over the last 4 months. Each doctor billing me/my insurance company.\n\nI had to leave my apartment complex and move out without 60 day notice and my cats ruined my carpet so my apartment complex billed me $1200 and sent me to a debt collector. \n\nMy brother was nice enough to let me live with him debt free for a while to get back on my feet but there is no end in sight. \n\n I just finished my last round of chemo, so now it's time to worry about the bills. Well, each bill, was sent to a debt collector because I didn't pay any of them while I was getting treatment. It was obviously the last thing on my mind. Well, since I've been in school for four years, federal aid told me they're going to start charging me monthly because I've reached my borrowing limit.\n\n So In total, my credit is ruined, I might not be able to finish school and get a job, I'm barley able to work part time as it is right now, and I'm bringing in no more than $500 a month. My car insurance, car payment, school repayment, credit card payments (isn't much), debt collectors, and left over hospital bills, I just don't know what to do. My family has no money as it is so they can't help and I've applied to atleast 10 different financial aid assistant programs through the hospitals but it just isn't helping. \n\nI added up all my credit card and debt collector debt and it's $4500. My hospital debt is $10k and counting. My school loans are $30k and I still owe $5k on my car. I'm just so afraid I'm going to lose everything and it's not even my fault. \n\nAny advice on where to start would be amazing. Thank you all for reading. \n\nEdit: I applied for disability and was denied. They said my form of cancer was curable enough to where I could continue "light work". "
  Self: "I work in revenue management at a hospital company.  I would reach out to the particular facilities and see if you qualify for charity care or like a previous comment said offer to make a payment plan."
  User (edtom1226): "I'll look into it! Thank you! "
  CafeRoaster (CafeRoaster): "Definitely do this. Once you get it reduce/deferred/what-have-you, utilize the snowball method to get your debts in order. \n\nIt's not the end. \n\nBy the way – have you considered living a more simplified life? My wife and I did it for two years (using $20/mo AT&amp;T GoPhones, for instance, meal-planning, etc.) and it worked wonders for us. We used the YNAB app to track our spending, created spreadsheets to do monthly budgets, etc. \n\nWe still use YNAB and spreadsheets, still meal plan and do weekly shopping trips $400/mo for groceries for two adults and one child), have no car (big city benefit + electric bikes), etc. We're not rich, and we hardly have money to save, but we've got our bills in order, health insurance, etc."
  