Diana, 

I can understand your idea of wanting to pay the old debts off, but I would ask you can you do it?

You mentioned you are ineligible for a DMP due to not having steady work and also your student loans are in unemployment deferment.

If you are not working and earning a regular pay check, how can you maintain any payment arrangements that may be put into place?

If you cannot maintain any arrangements, then bankruptcy does begin to look like a strong option. 

You may wish to consult a bankruptcy attorney in your area just to get more information on bankruptcy and how it would affect you.

Also, in 30 months when the student loans come due, you will need to begin paying them back, which unless you could clear all the other debts by that time, will impact what you can afford to pay as well.

Let me know your thoughts on this.

Jon