I Will Pay Off My Debt

I my entire afternoon crying, I have a huge migraine because I received a call that I need to start laying in huge chunks my fall college debt if not it’s going to go to a collecting agency but the guy was so nice about it when he called me. Anyways I’m disgusted with myself because I let it get like this. This could have affected my credit for years. I’m so ashamed and disgusted now I’m looking for a second job on top of the one I have to pay this off as soon as possible. I feel so ignorant