Well, I'd post everything I owe, but it's too scary
You don't have to pay that all at once. Call up your credit card/student loan/personal loan people and explain your problem. Set up a payment schedule that can work for you. Your parents? Can they let you pay that loan off later? Or pay less now?
Usually loan companies are willing to work with you. It's better than them not getting the money at all.
I know how you feel, I really do
Don't let it get to you too much, you'll be okay.