hope everything will turn out fine for you, OP,
is there a debt counselor program/services you can go to for help? A debt consolidation/relief program?
This could help with your creditor as well, to see that you're serious about paying them back and you just needed some time and help - which they can hopefully give
PS, you're only a fool if you don't learn from this - but if you manage to learn from this experience as to (hopefully) not make the same mistake twice, then you're definitely not a fool, we've all made mistakes
best of luck