That doesn't seem like crisis mode if you're thinking "hmm I want to off myself, but I don't I want a huge bill just in case I change my mind"
Just sayin.
That is all.

Edit- what Rainbow said. It's literally a life or death situation. I have over $70k in student loan debt, plus car, mortgage, etc. But if I know that I will not be safe, that is the only option. I have medical bills I'm still paying from last year. As long as you're paying something every month, it will be ok. It's your life we're talking about here. Please take care and go if you really think you need to go. Believe me, as you grow older, you will always have some debt.

Another edit: could be a matter of passive or active suicidal thoughts, big difference. Too lazy to find a link to show the difference...