Hardship, Settlement, or any other advice!

Summary

I'm 25 and have around 23k in debt with Navy Federal (on one card). Some devastating things have happened in my life; Covid killed my better paying job, head gasket blew and I had to sell my car for $500, and lastly elbow surgery. I just graduated college and want to kill this hole entirely. Any advice on what to do to remedy my situation would be greatly appreciated; just please don't waste my time and yours with judgement. I'm far from family, have been trying to manage surgery, lo

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