<prompt> Human: Everything was fine in life until I dropped out of college... I did so because I was so stressed out that it was causing health problems. I would get optical migraines and literally get headaches so bad they made me vomit and pass out! In college I studied IT and racked up 41k in loans. I dropped out after 3 years and just wanted a break from life. I didnt look for a job, weeks became months, months became years, and I just kept pushing back the time when I said ill find a job. Its been about 4 years since then. I have looked a little bit for jobs and Ive found that I dont live in an area where IT is heavily looked for and even though I am good at what I do, i cant get a job because I dont have the degree. I dont have the money to move, I dont have a car, I dont have money to go back to college or pay the loans. I just received a letter saying that Im 215 days behind on the loans and that they are going to default if I miss this payment. The payment is over 3k.. I dont have that...So to recap...- almost 26 years old- dropped out of college- 40k in debt- no money- no job - no car- loans are going to default next month.- really really hate being in this situation...This is what ive been trying to do:- I have a legit physical disability so Im trying to apply for social security disability income which should give me about 700 a month? Ive already applied one time a long time ago but was denied due to lack of proper paperwork... Im trying to do it right this time but its so confusion... If I can get accepted I can get back pay which might be somewhere like 9000 which could help me get a car, pay loans, go back to college...- Vocational Rehabilitation helped me when I was in college, but it was only 300 a semester which barely covered 1 or 2 course books. I dont know if I can get their help or not again but I can try. - as I said before, I am open to the possibility of going back to school to finish if i can get the help to do it. - another possibility is getting a car with the SSDI if i can get it and also pay back some of the loan and moving in with a friend who lives in a different state in an area where IT jobs are very abundant. Your part:::What should I do... How can I accomplish this? Any suggestions will be highly appreciated! I want my life back!  <response>: What makes you think going back to school now would be any different than before? You need to find some way to get your depression or other issues under control, and you need to find a job, any job. No IT jobs in your city? That sucks, find a different job. Cant work? Then youre not going to quickly make enough money to pay off any debt any time soon, let alone get a car or move out to another state. 