See if you can get a talk with a financial advisor at the bank. Debtors usually want all of their money back, but sometimes they’ll settle for “most of it” if the alternative is spending way more on collections than it would get them back in return. Unfortunately, I can’t fix your mother though.

There are two sides to personal finance - How much you earn and how much you spend. You have to work on both sides to make progress. You have to have a career or job that pays you fairly and you might ultimately have to find what skills will pay you better that you might could follow. The other side of it is that you have to be responsible for your spending. Little and big expenses can add up to a crushing burden… OP, frankly at your age you should not be still relying on Mom for your financial survival. Either mom has encouraged you to remain dependent or you have failed to figure out how to survive on your own. Either of these is a recipe for disaster.

Try working with national debt relief

as I also live in ontario and struggled with money... even now since I live in ontario... look into becoming a "Industrial painter". pay is alright to start and in most cases needs to schooling or experience. good work to give you some breathing room and you can take it anywhere in less than 5 years (like anywhere outside ontario) to help start a much easier life. I feel like there are a few trades like this, this is just the one I know