<prompt> Human: I will try to keep this somewhat vague since this is my main account but I have been through a lot this past year. Last January I was kicked out of school for reasons that I am not allowed to say, im not proud of what i did and I have grown up and changed a lot since then. I kind of went through a personality-identity crisis and lost a bunch of weight. Over the past year, Ive accumulated 2,000 in personal debt, financed a 1,000 personal computer 700 left on it, and have a 2,000 debt for student loans I didnt even know I had loans under my name until I received a letter from EdFinancial. I work part time at a restauranthost but it clearly wont make enough to tackle the debt Ive accumulated in a reasonable manner. My question is: Since I started school again for the first time in a year 3 weeks ago, should I withdraw before the Withdrawal deadline and take the time to find another job to pay off my debts and save? Or is it worth it to pay off my minimums and pursue my degree as soon as possible? I really hate the idea of being in debt but im scared to tell my family I am withdrawing. I most certainly want to get my degree but I am between a rock and a hard place. Edit: I also pay 100 month to my step-mother as car payment.Assistant: Can you work part-time while at Uni?or Ask your parents to cover the 2700 and as part of the agreement you promise to obviously a pay them back and b pass your degree?I would not withdraw from University, you are in a good headspace and you should aim to maintain that.Human: Im at a community college now, not even university US. My parents dont have the money to pay it off parents are divorced and I most certainly DO NOT want to have then cover for me. I got myself into this, I need to get myself out. I just dont want to go down the line and settle at some point for living with my dad my whole life. I want to go to a good university and get a comfortable job and travel. Assistant: While it is respectable that you dont want to burdon your parents with your problems, dont allow your situation to get out of hand. It sounds like you have at least addressed your problems and are ready to make headway getting out of debt, which is good, but you should mainly look at your expenses for now and see how much you can reduce them by cutting cable, cheaper meals, less eating out. Also, not to be a cynic, but make sure the degree you are going for is both a good personal and financial decision. If you do well enough in your studies there is a good chance you can do community college up until your last semester then graduate from there, since it would be better on a resume. Most community colleges should allow you to work through school and come out debt free with a lot of hard work and dedication. Since its tax return time, I would focus on taking any extra income and putting it towards whatever the highest interest rate payment you have to free up some monthly income. Try not to splurge on anything until you know that you are in a situation that you can really afford to be in. Im sure that you have the capability to get yourself out of the situation you are in, but it will require sacrifice and determination to get there, which you may or may not end up wanting to do. Either way I wish you the best moving forward and hope you find yourself in a better situation this time next year! Human: Thank you for your reply. The issue is, if I were to confess all of this debt I would never be trusted again. I know it sounds dramatic, but this is how my family is. I am willing to make the sacrifice in order to save face. As far as a degree goes I want to major in economics, so financially speaking it is sound. Im honestly quite embarrassed that I allowed myself to get into this kind of situation.  <response>: I dont think its any reason to be embarrassed at all. The thing that stands out to me is that you recognize your situation and seem to be in a good state of mind to go about fixing it. For me, I decided I wasnt in a situation I was happy with 2 years ago both career and personal relationship and since then I have made a lot of sacrifices and endured a lot of hardship to be in a better situation now. Looking back I wonder why I even worried, but at the time I was depressed and felt like it was a hopeless obstacle to overcome. The important thing to realize is as long as your are moving forward and overcoming it every day, its really not a big obstacle at all. You could easily find yourself debt free and completely independent within 1 or 2 years, so long as your work hard enough and keep your priorities in check. Once you get started down improving your situation and stabilise in your life, I would strongly recommend you find work that is both more suitable for your talents and more fulfilling, both financially and professionally. 