<prompt> Human: Good afternoon.I have found myself in a doubly bad situation where I owe several thousand dollars to debt collectors and 35,000 to the IRS. I desperately need some advicehelp.I have been relentlessly searching for a job that I can do with my medical conditions Severe IBS etc. that my doctor wont classify as a disability. I am an exceptionally competent programmer that does not have a degree, but I do have certifications and prior work. To date, I have had several interviews, but all end the same way -- no degree, no job. Certifications be damned.I am unable to do any kind of customer service job due to the IBS which can flare up within seconds and happens several times during the day. This basically prevents me from effectively doing retail jobs, cooking jobs, delivery jobs, or other time-sensitive jobs. IT jobs are ideal for me since they have less time criticality and would allow me to utilize the bathroom facilities as needed.I lost my previous job because my previous overseas boss ran flat out of money and basically said on payday I dont have money to pay you. Thanks. I was forced to use my credit to keep the bills paid. I am now 8,100 in debt. The same overseas boss also caused the 35,000 in IRS debt. I have discussed this with a lawyer and he basically said Im SOL in that regard.I am looking for options here. So far, I can only see a few:1. Declare bankruptcy I do NOT want to do this2. Go back to school, try to secure a programming job another year of not being able to pay debts3. Try to find a doctor that will classify my conditions as a disability at least secure some kind of disability aid, then 2Thank you for your advice in advance. I am getting to my last legs on this. I want to get my life back on track for me and my girlfriend.  <response>: Id say the first thing you should try to work on is your outlook. It looks like youre blaming your previous employer, your doctor, and your community college for your woes. This probably sounds harsh, but you are responsible for your financial situation, not everybody else. I think the best way to lay a foundation for success is to recognize that you let your finances crumble and you have the power to build them up. 