Good on you for facing up to facts hun. The great thing is that there is a light at the end of the tunnel for you. But it's important you don't let things spiral out of control right now.

You really need to speak with a financial counsellor. Google Wesley credit line. It's a nsw based charity so they may not be able to help, but if they can't they should know who can help you in your area. They exist for people like you, and they deal with your kind of situation all day, every day, so they know what works and what doesn't.

Chin up - this will pass and one day be a distant memory. Xo