Hey!
You helped me on Saturday and Sunday that were particularly very hard days for me. So, trust me, I don't consider you a loser. Someone who is asking for help will never be a loser.
And yes, things might be a little bit rough at the moment but what if they get better? They always will.
Regarding the money issue, screw it, man. Your life is worth much more than ANY debt. It does not matter the amount.
You can go to the ER, they will help you to calm down there. But you're life is worth and is YOUR life. Screw what everyone else thinks about it. It can and it will get better. You will feel proud yourself.
Big hugs man. You got someone in here that does care for you