Good grief, you asked for advice. Sometimes advice might not be to your liking.
Many women here made a genuine effort and wrote you very well-thought out posts with lots of excellent advice. Many have been in similar situations and they shared their experiences, and the hard choices they had to make, with you.
Some of that advice had to do with considering relying on parents, if at possible, ever so briefly.
Also, you never made it clear in your OP that you had any intention of paying off those bills. That's the impression I took from your OP, anyhow.
You're right, most of us don't know you, so the advice here was somewhat generic, based on the information you had provided.
Whether you take any of the advice given to you here, or don't, is entirely up to you.
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