Take a deep breath! You're gonna be okay, I promise! It's good your parents are involved hopefully they can help guide you. You'll want to consult with a few lawyers, most will do free consultations. Just take it one step at a time and try not to worry too much. A lot of people get into debt. Look online for what info and documents you'll need when you meet with the lawyers, and if you aren't sure you can always ask one via email or a phone call. Gather what you need and talk to a few before you make any decisions. Make a list of all the questions you have. My experience so far has been really easy and smooth, and I have way more debt than you!