<prompt> Human: Male, 41, major depression my whole life I include that just to try to explain the inexplicable...Its so bad Im not sure where to start, so heres some basic info:-Income roughly 52k, not much hope in ever making more than that that statement will make more sense as you read through the list-75,000 back taxes, agreement to pay back in place 800mo-26,000 student loan debt, wages garnished 480mo-roughly 30,000 combined credit cards and personal loan debt most of this probably written off at this point-walked away from 90,000 mortgage a couple of years ago, no contact with lenders or any plans much less ability to repayCorrect me if Im wrong here, but Im simply way, way past the point of no return.Probably the worst part is that even if all of these money problems disappear tomorrow, Im not sure what I would even WANT to do part of the depression. Yes Im in therapy and taking medication, it only does so much. From reading the above, I hope its obvious now that going back to school of any kind even comm college or trade certification i.e. IT certs is pretty much out of the question unless it is 100 free up front meaning I cant pay anything and wait for some kind of reimbursement or scholarshipThe ONLY good news is that there are no spouses, children, pets involved, just me.Parents have helped me as much as they can, no friends or much human contact of any kind outside of work just for a little more background on my situation.Every option is on the table here...I mean like Im considering some non-violent white collar type crime to just get sent to jail. Faking my death? Hopping a freighter to a third-world country? Im pretty smart on paper...meaning SAT scores and things of that nature, but obviously NOT smart at life.Not even sure if this is the right sub, so please direct me elsewhere as appropriate.  <response>: You say that you dont know where to start but indeed you have started. Between the garnishment and the IRS agreement youve started. Congrats on that! Now I would start to build your emergency fund even if its 25mo. The next thing you can do is volunteer. Free and rewarding. 