If your income is that high, I would hope you could pay off your current debt. As the above poster said, talk to an advisor and put a plan together. With your income, just buckle down, stop wasting money, and pay off the debt that you incurred. You likely need to consolodate it but it really shouldn`t be a problem. If you can live with your parents until it is payed off, that will make it easier. Be up front with your parents and put an effort into looking after this. Bankrupty hurts others and suicide is not an option. Be thankful that you have parents who care and a good job.