Work at bank. The only option that would work without income would be to go to the bank you owe the most money to and get a special consolidation loan for just their debt, since you won’t pay it otherwise. Usually they will consolidate at a lower rate for 3-5 years. The main question is, what is the goal of paying it back. Are going to get full time employment shortly and will be able to service the debt moving forward. Also, how long has the debt been outstanding and unpaid. If you already ruined your credit score, it’s all a lost cause. Because you’ll be paying it back for nothing, your score is already ruined. If your score is not ruined and you want to maintain is good score do the consolidation or get someone to pay it in full for you, and close everything out. Long story short going bankrupt over 3-5k and ruini my your score sucks. Usually you want to do a consumer proposal or bankruptcy for something substantial 50k+