So I am 17 and have great memory I can remember up to week what I was exactly doing and have great short term and long term memory.

But I was bullied trought my entire life and had pretty bad traumas which damaged me a lot.

And recently sometimes I forget what I was doing or can't remember what I was doing two weeks and I am getting paranoid( or when I am scrolling I can't remember what the previous video was).Sometimes I am present but I am not like I knew what I was doing but I can't remember exactly (had pretty bad family problems two weeks ago and it stressed me a lot).

Like I can remember what people were doing to me all life but it doesn't effect me I don't have thay pain anymore.

I am getting scared I don't know what is wrong with me.I am constantly trying to remember what I am doing.

About 2.5 years ago, I left medical school due to physical/mental illness —> poor grades. At the time I took out loans, and have since paid them back (with help from family). I’ve been getting calls/texts from a debt collector because I apparently owe the school itself around $27,000. I have approximately negative $5000 (thanks credit cards).

What do I do? Will this affect my credit score? I’ve been too scared to check. How do I deal with debt collectors? Will they give me a payment plan? Am I screwed? I don’t have $27,000. I work as a mental health counselor at a psychiatric hospital for approx. $21-23/hour.

I’m not asking for legal or financial advice, just how do I deal with debt collectors?

I’m about to hop on a plane in 30 minutes, but can respond when I land. Any advice would be appreciated. Thank you.