So I'm in about $20,000 worth of debt in total. I have 2 personal loans, both at about 12% APR and $5,000 each. I also used CashApp and PayPal to pay for drugs and did that with cash advances, so I have a massive credit card bill as well. How can I get myself out of this mess considering I have no cash. I've been having panic attacks over and over again and feel like my life is completely over.