good luck hun! no advice but sending you hugs. Just try to focus on the future if you can... if you get on the phone, sort it out with the numbers/people pps have given then the weight off your shoulders will be tremendous.

i was i a world of hurt with credit card debt about your age, fortunately I met my dp and with his very frugal ways, he was able to help me dig myself out. it took a few years to pay off all my debts and if we take loans etc I never have my name on them. But i tell you, once we had a plan in place and i could clearly see a way out, things just started looking up.

definitely go get some free financial advice first. lots of places offer help.

hugs! and hope things start to look a bit clearer for you guys soon. ox