u/Character-Emu-548

Hi people I owe about 7000 with affirm and have about 19 active loans. I’m done and I can’t pay them off. Don’t even ask me why I just can’t make anymore payments and yes I know it’s my mistake but we bought a lot of things we needed for our new house and then lost hours at my current job. I have asked for deferral at least 3 months constantly but I can’t make payments anymore. So I know I will be sent to collections. Will collections consolidate all and I could pay off with monthly payments?