Paano kayo nakarecover from Debts?

I have a total of 20k debt and I don’t know how to pay it since I don’t have a work and I can find one since I’m reviewing for the Boards.

EZCash - 4,200
Bear Cash - 3,000
Cashify - 2,700
Kviku - 2,000
Tala - 2,000
Five 6 - 3,600
School - 4,500
Total of 22k

I’m thinking of selling my phone pero pano ako makakabayad kung wala akong phone. Plano ko din mangutang sa Five 6 worth 20k na pwedeng bayaran ko ng onti onti until the end of this year. If you have any suggestion ng nagpapautang (BIG NO SA OLA’s). Last resort ko is to seek help from a rich Professor I am close with, she’s had history of helping students in the past and I just want to try my luck.

I want to be able to focus on my Review for the Boards so that I can get the 1 Million Pesos reward if I get the Top 1. It’s gonna be hard but I know I’m smart and I’m confident I have a shot at it.

Please give me your suggestions guys.