Take a photo; check back 30 days later. Rinse and repeat.

Progress can seem slow, that if you look at yourself day-to-day you’ll not notice it.

Scale isn’t the best judge either, because even if you weigh at the same time every day (first thing post BM is good) - your weight can fluctuate due to hydration and quality of sleep.

Consider measuring your waist as an alternative, seeing as that’s what was your initial motivation.

If you aren’t already, add walking to your daily routine - or even consider programs like Couch to 5K or ZombieRun if you want some motivation and a tougher goal. It’s great for your heart health, and will help contribute a small amount of additional burned calories.

Lastly, diet is the most important facet of weight loss. I highly recommend logging everything you eat (at least for the first week or two to get your bearings) using an app like Cronometer.

Are you willing to disclose where you are (even just the country), and what level of debt you’re in? e.g. US, ~$10K

It may help some of Lemmings to perhaps point you in the right direction if nothing else?

ETA: hang in there, debt collectors are limited to what there can do, and are not worth losing sleep over. I managed to get myself into a massive hole in my early 20s due to credit cards, and it took me the better part of a decade to knock some sense into me - but I now have a nigh-perfect credit score and an ability to save.