<human>: This might be a bit longish, so please bear with me.

I'm a 36-year-old male. I have been going through my entire adult life getting bailed out by my parents when I needed it. They have fully covered my comfortable living expenses as I worked to complete my undergraduate degrees, and both parents (now divorced) have made it clear that the money gets cut off when I graduate next month. I cover my tuition myself through student loans. Yes, I know I am very lucky to have this situation, and I hope you don't judge me for it.

I have actively tried to curtail my expenses and clean up my financial situation in anticipation of this. I have never really kept a budget (was never taught how) and no savings (other than a small retirement account). Now, as graduation nears, I did the math and see that I am about $2500 in debt for various bills which must be paid by the end of the month. I will be receiving $1,332 on the 15th and $500 on the 30th. 

My credit report is mostly clean, but short. My FICO score is 587/570.  I am waiting on one dispute to be resolved before I apply for a credit card. I have lived almost my entire life on cash only, but that is starting to become unsustainable.

I don't want to ask my parents for the $2500. They have paid enough and it is entirely my fault for not managing my money properly.

I could drain my retirement account, but the government would get about 50% of it, so that's not really an option. Plus, at my age, I should have *something* in retirement.

Does anyone have any advice whatsoever? I am willing to take a loan for the $2500, but with my poor credit score and what the loan is needed for, I doubt I would get anything that doesn't have an appalling interest rate. Help?

Can you give me the gist of the text in a nutshell?
<bot>: 36 y.o. male. Badly managed my funds all my life. $2500 needs to be paid by the end of the month. Poor credit, no savings. Requesting advice.