I have overdrawn money with Neteller, Firepay, and IGM Pay

[Blowup Doll]

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Bottom line right now I owe so many people so much money I can't sleep at night. Total I owe is around $8500 in unsecured debt, quite a lot for a 23 year old.

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$8500 is nothing. The avg american has far more debt than that.

Just relax and do what you're doing to pay it back. You'll be all right in the end. One option is that when you go back to school, you can take out a student loan to pay off your consolidation loan and get much lower interest rates.