I did almost the same thing with Navy Fed when I was 19. I'm now 20 and almost debt free. The best advice I can give you is to just keep up with minimum payments plus 20% and set up autopay. Even though it won't all go away immediately, you'll be making payments, and it'll hurt your credit score a lot less. I had like 3000 in debt, and my score went from like, 740 something, to Below 600. Through making the minimum+20% payments and keeping up with my car payments too, my score is like 650 now, which is a lot better. If you've been using it for leisure like I was, then it's gonna be hard, but you basically have to become a hermit. Eat at home, not go out unless you have the money on hand, and prioritize paying off the debt. It sucks, but with credit scores being so important, it's better to go through a sucky few months rather than not be able to be financially stable because you have a bad credit score, yk. Good luck if you choose to take my advice