How's it going everyone,

I (22M) currently have a debt of around $28K. When I had freshly turned 18 I went loan & credit card crazy while serving in the US Military, buying my dream car ('97 RX-7 for $19,500) and a daily driver ('13 Altima for $8,500).

At the time I had an 797 credit score, my rates were 7% and 4% respectively, and total payments per month were around $535 for both vehicles excluding insurance etc. I was genuinely expecting to have these 2 vehicles for the next 5-10 years.

Around 2020, I was given orders to relocate to a different country and could not bring my Altima with me. My father ended up having to take the car while I was deployed & he said since the payment was only $160 per month, he'd take responsibility for the payments as my siblings needed a vehicle at the time. My father is a car salesman. He has owned his own car dealership for many, many years and I have never growing up, seen him miss any of his bills or payments he was responsible for. I trusted him wholeheartedly. It wasn't until around mid-2022 that I started receiving calls from my bank telling that my Altima has not been paid for in over a year and a half at that point and that they'll need to meet with IRL to renegotiate my loan agreement. I couldn't get ahold of my father at this point either.

This peaked the shit out of my anxiety because I have never missed any payments and took my credit score seriously since it was pretty much all I had to keep me above the poverty line. My dumbass started using my credit card to repay what was owed on the Altima and, unfortunately, that same year I crashed my dream car. I won't make this longer than it needs to be but there are a lot of details. Long story short, I had to bring my insurance company to court due to my paperwork showing 'liability' but being charged full coverage. They were only held liable for half the expenses and again my dumbass used my credit card to pay try to cover the rest of the loan, which didn't work and also maxed out my credit card.

Now here I am. 22 years old, almost 30K in debt, a 460 credit score with heavy delinquencies & making 45K a year. Really all I want is a consolidation loan. I know they're not the best but if I can put the loan under a different institution and continue paying on time like I already have I wont have to play catch up with back payments and those delinquent reports will stop, helping me build my score over time... at least i think

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P.S. I know I'm pretty much fucked for the next 7 years, I've accepted that. I'm just trying to stop the bleeding as much as possible and paying double, at time triple the minimum amount has NOT been working. I dont understand