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OP provided more details down comments.
Yeah don't pay any debt. Kepe your money in cash if you can do it safely.
CC is unsecured just ignore it. Let it go into collections.
Sloans get on income driven repayment plan with low income, it can be zero.
Look for a new job.
You are clearly under mental strain and it will be hard. But you need to operate. It is easier to try fix this now them later when it gets worse.
Do the paper work for Sloans ASAP!
That’s the thing. I have been under hellish levels of toxic stress for three years with almost zero support. All the paperwork for things like unemployment or even just applying for jobs is overwhelming. I am thoroughly burned out, I can barely take care of myself.
I understand this and can relate.
You need to understand that unless you help yourself it will get worse.
With that being said, there a limited amout of blood you can get from a stone. But you got two things that need to be done ASAP.
Don't get overwhelmed and just give up. Smaller tasks in order of importance.
If you are already de facto dismissed. File UI right first. They rely on your making mistakes to deny. File it properly. Stay focused.
Then sloans paper work. It is urgent.
Do both in the AM when your head is fresh. By afternoon you are likely not gonna have the mental capacity. Don't force it. Try to get rest in non modern way. Get off socials. Go for a walk or and watch some older tv.
Avoid getting sucked into a spiral...
Not a medical advice but nyquil can knock you out when needed. Just make sure you got 8 hours for sleep.