<prompt> Human: Hi. I just completed my Ph.D. in the humanities and, by some act of god, secured a tenure-track job at a small regional campus of a larger university. My salary is 40k, with the possibility of making more in the summer if I can pick up some extra classes.The problem is I am in a massive amount of debt. I went to a private college for undergrad and I have about 45k in loans left from that. Then, I took out more loans for graduate school. I didnt keep a close watch on them, and they total about 122k right now. Yep. Im an idiot. On top of all of that...I have credit card debt. A lot. About 17k worth, truth be told. This is the first time I have admitted all of this to anyone. I am sick with worry, panic attacks every day.What can I do? I fantasize about killing myself because theres a possibility it will discharge my student loan debt if I do.Please help me.  <response>: This is not an insolvable amount of debt. Considering suicide isnt rational and you need to really work on your state of mind. Repeat to yourself over and over, I can get through this. Because on a numbers basis you can.The amount of debt is certainly in the pain territory, but in 10 years you will wonder why you were so sick with worry. 