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TIFUpate: allowing my coworker to set me up

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TIFU by realizing how much debt I'm in.

TLDR: I checked my credit score a couple of days ago and I haven't been able to sleep since.

Now, it's not as bad as you may think. At all. With the holiday season coming, I applied for some payment plans and got rejected, which made me realize: I need to pay my cards off.

I'm $4,000 in debt. My job pays well but not well enough. My parents have abandoned me because they don't approve of my partner so they're 0 help. As many of us in the USA, I wasn't taught about credit and how it works so once I got approved I just started spending without thinking and didn't realize how high the APR is. So no matter how much money I'm pouring into paying them off, they somehow are still 100% used. If anyone has any advice, please let me know. I've applied for personal loans and they're of no help either.

I'm struggling, I'm depressed, I don't have an appetite, I hate America. You can't do anything here with bad credit, let alone get your own place. I told my partner I don't want anything big for Christmas because I know I cannot afford to pay it back with a big gift for them as well, not even including my daughter.

I guess this is just a rant to let it all out.

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