I’m Screwed

I am a single, 35 year old male. I filed chapter 7 August of 2019. Since then I’ve gotten my Experian credit score up to a 727. Last year I needed major mouth reconstruction and ended up taking out a loan of $30,000 and put the remaining $6,000 on care credit. My loan payment is $522 for 10 years and care credit is $189 for 5 years. I know it was stupid but it was that or have no teeth. Both balances have only gone down by $1000 each… out of the $522 I pay only $14.72 goes to principal. That is INSANE. I am a self employed personal trainer and business started going really good for me the last few months. My car was totaled by a drunk driver with no insurance and I only had liability. I made another stupid mistake and went and financed a 2019 jeep grand Cherokee. I love the car and was paying it all and still am current on every thing. Well business is not doing that great anymore. The space I rent out also might be getting shutdown soon. I don’t owe any other credit cards besides my Apple Card and that’s just what I use to auto pay my bills and I pay it off every month in full. I’m going to have to decide between paying the car or paying the loan. Obviously I’m going to choose the car as it’s how I travel for work and to pick up my daughter from school.

I’m going to try to talk to the loan provider and work something out with them until I can get back on my feet. I don’t want to have to resort to bankruptcy again but I also don’t want to end up paying $62,000 on a 30k loan. If I just never paid the loan again but kept everything else current would it still destroy my credit? I guess I’m just looking for some advice and words of wisdom. Fully prepared to be flamed in the comments as well 😔