<prompt> Human: Im just a bit lost in life in general, but Im hoping you all can right me towards a better financial situation for the future.Ive been going to college for the past 5 years, changing majors four times, never obtaining a degree. I have 120 credits and roughly 275k student debt to show for it. My loan deferment ends in about 3 months, and Im concerned about how that will affect my situation.EDIT: I should clarify, that is about 30k in federal loans in my name, and the rest in the Parent PLUS loans under my parents name.I make about 1200mo cleared as a bike mechanic, working 30-35 hrwk. I have two credit cards; one from Citi at 11.99 with a 1500 balance, and one from Chase at 15.99 with a 3k balance.I also have typical bills which sum to 260mo utilities, phone, internet.Im sick of using my money irresponsibly. What should my plan of action be here?EDIT: Thank you for your replies. As another option, could I not just transfer to a relatively inexpensive state college and finish my degree? My loan payments would be deferred until I finish, no?LAST EDIT: As per your recommendations, I went home today and spoke to my parents. They were in fact well aware of the situation, and have been preparing for some time now. The have an unwavering faith in me, I am incredibly lucky to have them. Ive been so, so selfish with their trust, but that ends today. On a positive note, I was off on my 260k number by a considerable margin. My loans total closer to 160k, which is still a daunting sum, but still relatively good news. I think Im going to be ok.At first I was upset with what some of you had to say, but I realize now this is exactly what I needed to hear. Ive been living in a dream world, and it took a bunch of strangers to pull the plug. Thank you all for that.  <response>: This is insane. You need to sit with your parents IMMEDIATELY and come to the realization that things are about to get really bad for everyone involved in a couple months. 