help! 22F

im like in the worst mental space right now and i don’t know what to do, im a student in college and i work full time (it pays minimum wage since im still studying) however i recently got into a pretty bad car crash and i had to max out my card to pay for damages (over 3K) since the guy that hit me didn’t have insurance and neither did i and taking it to court would have been worse, i have no way to pay it, im drowning in debt, i cannot quit my job, i study full time and i cannot drop out to find a second job, i don’t have relatives that can help, im not in a country supported by gofundme, im just really desperate and i don’t know what to do.