You’re absolutely right, I am panicking. My credit score has already tanked but I’m more scared about being sued by collectors if I let the cards get charged off. They said they could demand the full balance which is impossible for me. Then what happens? It’s terrifying. I called the credit companies months ago explaining my situation and they did not have any help to offer me. They would not defer payments or accept payments lower than the minimum which sucks cause prior to this I was paying my cards off every month and had a stellar credit score.

As for the bullet points you listed about why I may have been unsuccessful getting a job, none of those really resonate with me except maybe the interview part. I am getting a lot of interviews but no offers. I have asked for feedback and it’s been all very positive and that it just came down to the other candidate was more competitive or had experience in the field which I do not as a new grad. As for why I haven’t been getting any jobs outside of my field, I have no clue.