<prompt> Human: Hi rpersonalfinance, let me start this post by thanking any of you who offer help. I first want to say that Im not looking for pity points. I expect most of you to find my lifestyle abhorrent, but Im just going to tell you what Im experiencing. Im the man-child in question, and need finance advice and a kick in the ass for my poor decisions and poor outlook on life. TL;DR near the bottom.I enrolled in a private pharmacy schools undergraduate program when I was 17, and got myself into this situation. I had below average grades in high school due to lethargy and was accepted because of my high SAT and ACT scores. This led me to being accepted without any scholarships or grants. Being naive, I was led to believe that it was normal to not get any scholarships, and that 40k a year tuition was also normal. My parents told me there was nothing to worry about, and that once I became a pharmacist the debt would be gone in years. My parents have awful credit and nobody else would co-sign, so Ive taken out 8 different loans 2 from the government each year and 2 from private companies each year. The government loans are around 4 and the private loans which represent a majority of my debt are around 8.5.So, a bit about myself, Im not a normal person. I suffer from extreme anxiety, which, these days, keeps me at home for months. I dont have a drivers license because Im horrified of driving and being in cars, which means I dont have a job. I didnt make any friends in college, which left me depressed. I ended up broken, completely given up on life, and over 80k in debt after two years of college. I dropped out without a degree and loan payments began without any real savings. I quickly lost what little I had saved through loan payments and defaulted. The only thing keeping me off the streets and alive is my parents generosity. I live with them and they provide everything for me, rent free.So, theres my situation. Im massively in debt and at a disadvantage. I have little to no marketable skills, no job experience, no drivers license, and I feel like theres no way out. I feel like theres nothing I could do to lead a good life. Even if I managed to get a full-time minimum wage job which is 18,200 annually in my state, I would be 27 before I had a dollar to spend, and thats not including interest. The idea of working 40 hours a week for a quarter of my life before I can save money is debilitating.Some light at the end of the tunnel is something I need to change for the better. This is where you kind people can come in. I dont know how to do anything in terms of finance, so I need some guidance. A goal, or a general plan, or some advice that I can work with is what I need. And finally, as sad as this is to admit, Im not sure Im willing to put in the hard work. I dont know if it will be worth it to keep living. My future right now is that I will end up homeless and dead after my nest egg runs out, and Id really appreciate a plan to change this.TL;DR Im 100k in student debt, without a degree or job. Im terrified of driving and dont have a drivers license because of this. Im asking for a plan to lead a normal life, financially.So, first thing I want to ask is if there is any way for me to have my debts forgiven. This is going to sound childish, but I feel as if Ive been tricked into this debt. I was stupid and naive and its entirely my fault, but I feel no obligation to return this money. I blindly listened to my parents and college staff and didnt understand what I was agreeing to. The loan companies gladly accepted my debt, and I have no help other than the extreme generosity of my parents. Ive learned that bankruptcy forgives everything but student dept how convenient, so thats not an option, even though I am very clearly in that category. Is statute of limitations real? Could I have my debts forgiven in 6 years the value for my state if I continue to default?If not, I need a plan that I can actually follow, given my pathetic situation. Is there any way to earn a living from home? Is it possible for me to get out of debt? If so, can I do it before Im 40? Will I be able to save money? Once I acquire a steady income, how should I go about paying off my debts, and how much of my paycheck can I expect to be withheld by the governmentloan shark companies? Ill be answering questions if you need more information about me to better help. Please try to keep the abuse to a minimum, I know Im a shitty person..Thank you so much for taking the time to read this, and thanks in advance for any guidance you may offer me.  <response>: From your comments it seems to me you are looking for an easy way to get out from the debt. THAT IS NEVER GOING TO HAPPEN. The only answer is to earn enough income to pay them off-that requires you to get a job you dont think you can do, or join the military or something. 