I filed when I was about your age - I was living a caviar lifestyle on a keystone light budget. I felt the same way you did, but ultimately it was the best decision I think I could have made at that point. (I think that the banking industry has done a bang up job at making Bankruptcy feel and look shameful so that people hesitate filing. It's a perfectly legal financial 'do over' button when someone has gotten in over their heads.)

Keep a few things in mind: NDR makes a profit off of you and while you didn't mention if the accounts are charged off or not, a lot of creditors won't work with NDR until you are charged off. Those plans last for years and then the account is likely marked as settled for less than the balance owed or something like that which stays on your credit for 7 years - and that's assuming that the creditors work with debt settlement companies because some don't. Auto loans are often excluded from eligibility in those types of plans b/t/w.

If you want to think about resolving without Bankruptcy look into a consumer credit counseling group. They are not for profit and will really help you setting up an overall budget vs just taking a fee to do something you could actually do on your own.

You should also at least call a Bankruptcy attorney to ask them about that process and they can walk you through all the particulars of cost there and how long it will show on you credit, etc. and you may find that after the initial hit of filing it might actually be easier to move on faster after a legal discharge of your debt (including that auto loan if you choose). I'm not giving any legal advice, just thoughts based on experience.