<prompt> Human: Hello Internet. My Situation: I went to school from 2009-2011 and accumulated an extreme amount of debt; long story short I was denied a loan for my third year of school, and was practically told I would not qualify for a new loan, so I was kind of forced out of school. Since I left school in 2011 I decided to enlist in the Military Army, started basic training in January2012 and was Medically Discharged in April2012 because of my Crohns disease, in between that time I managed to get my loans off my back but as soon as I missed a payment they were on me like bloodhounds. From April2012-November2012 I had no job, and had applied to 32 different work places here in Miami. Fast forward to November2012, Hooray! I landed a job at the airport here in Miami. Great. During this time I started making small payments, not the minimum, but small payments because my paycheck was not meaty enough for them, the calls continued. Fast forward a year later November2013, I have been reduced from 30hrs to 16hrs. I foreclosed on my home back in August, My mother decided to buy a used car and dump the payments on me, I make just about as much as a Mcdonalds employee working 40hrs a week, and the situation at work is only getting worse. Since September2013 I have applied at 13 different job across The US and in my state because I figured being Bilingual will really help me, and situations in other places may be looking up. What I wish I could do is ask someone for my total debt amount, and consolidate all my debt into one payment. Realistically no one will loan me 80k. not a joke.Thats including one private loan, parent plus loan, 2 Stafford loans, and 2 Direct UnsubSub loans. I am stressed, overworked, and feel extremely unhealthy. I have no one to talk to about these things. I want to take care of this because they arent only bothering me, but they are bothering my Dad, and I feel like just a shithead for dragging him down with me. A lot of people ask me how will consolidating be any different from the current situation. My answer: Itll be one payment to one personlender, and the amount per month will probably be lower since I have to pay more over a longer period of time.I am trying to be responsible, but applying for Deferments and Forbearance is almost no longer an option. Sorry for dropping this load on you. I encourage you to ask question. I am seeking advice, and help. I cant explain how stupid I feel.  <response>: You know what would help us give you advice?1. Your actual income2. Your actual debt, listed by interest rates x card at x, x loan at x, auto loan at x, etc.3. A list of whatever savingsinvestmentsassets you currently haveReally, at the end of the day, 80k isnt huge-crazy-go-nuts debt to be carrying, especially for someone with a decent job. It seems like a lot, and it is a very significant amount, but there are other people who have gotten out of deeper holes with less resources. It takes focus, self-control and personal responsibility first and foremost. You need to get your relationships and emotions together and address the debt with a clear mind and a clear objective. You can do it, but you have to get your head straight first. Take a breath, make a clear accounting of what youre looking at and know that you can absolutely deal with this.edited to remove reference to a 40 hour a week job, I misread your post and thought you had full-time employment. Keep digging for another job, 16 hoursweek isnt enough to keep you afloat and you have lots of time to fill with income-generating opportunities side jobs, 2nd job, new job, etc. 