

The console manufacturers will raise prices globally to cushion against the US tariffs, because the calculus is that by keeping the costs low for the US - they can make up the difference with game sales over the console’s lifetime.
I think something similar will happen to smart phones and tablets also, because of the trailing revenue.
Hardware like CPUs and GPUs lack that additional revenue stream, so it will depend on if AMD & nVidia determine it’s better to push the tariffs exclusivity onto US consumers, or spread them out globally and dampen the impact.
Are you willing to disclose where you are (even just the country), and what level of debt you’re in? e.g. US, ~$10K
It may help some of Lemmings to perhaps point you in the right direction if nothing else?
ETA: hang in there, debt collectors are limited to what there can do, and are not worth losing sleep over. I managed to get myself into a massive hole in my early 20s due to credit cards, and it took me the better part of a decade to knock some sense into me - but I now have a nigh-perfect credit score and an ability to save.