<prompt> Human: Hi rpersonalfinance. Im a single, 20 year old free-lancer that has absolutely no idea what to do to get out of my financial situation well, I have a couple ideas, but could use the advice. So, I just received my 2012 1099 and am shocked to have learned that somehow I managed to survive off of just a little over 8,000 last year. I dont keep a strict eye on my earnings, because I am also a full time student and am involved in numerous volunteer activities, but I do keep something of a budget to make sure I never spend more than I make. Its very difficult living, and not always comfortable, but for the most part I figured I was doing okay. Im set to graduate in March, and in September I will have to start paying back my student loans. I have no idea how Ill be able to do this unless I 1 get another job, or 2 make more money with my current clientele. Once I graduate, I can probably take on more work, but have not really had the time to seek other employment anywhere else between work, school, and the occasional volunteer activity, I am busy about 50 hours a week. Ive done research on a few occasions, but everything seems to lead me in circles, and no one in my family is really able to help. I am independent and currently do not receive money from any source besides what I earn freelancing.So, onto my questions. Do I need to file a 2012 tax return? If not, should I? Im positive that Im eligible for certain types of welfare, but should I attempt to get it or will that only dig my hole deeper? Is there any other information I need to provide to specify my situation? I could really use the advice, and want to give you my appreciation in advance. Thank you. EDIT: SpellingAssistant: Clearly, sir, you need a job other than freelancing. Human: I had one for a while, but was laid off, and decided to put the extra time I had into excelling at school and doing various volunteer activities.  <response>: Well, thats not relevant. What matters is youre about to graduate and you need a full time job--and that puts you into the same boat as so many other people. Start making time to apply. Its probably a lot more important than many other things you do. 