Have you spoken with the hospital about the possibility of them writing off your bill as charity care? In the past, any hospital that received public funds was required to provide a certain amount of free or low-cost care to financially needy patients. Call the billing office to see if you might be eligible. Or check their website.

A credit counseling service may be able to help you negotiate with your creditors. My knowledge of them is over a decade old, so may not still be correct. What they did in the past was try to get the creditors to write off some of the bill and negotiate a payment plan. If the creditors approved this, a small portion of every payment made was given to the credit counseling agency. That was their payment. Both pediatric clinics I worked for accepted this because, as GeorgeH said, they would rather have some money than none. And just to be clear, credit counseling agencies are not credit card or loan companies. Sometimes the wording can be confusing.

I, too, have a very difficult time managing money. It's scary.