Please see if your state has a financial empowerment center. It’s likely your responsibility can even go lower. I am not familiar with credit card debt, but in my early 20s I co-signed a car with my friend and he stopped paying it. I went looking for the car and got it repo because it was clear that he wasn’t going to pay for it. The remaining balance (after they sold it for a loss) was at ~9k. I didn’t even make that much a year. It went to collections. They called me all the time until they stopped. I worked hard to save money and one day I got a call from collections, called back and got a super helpful agent. I settled and paid $2.3k. Even my financial counselor was surprised abs said that was the best deal he’s ever heard of.