<prompt> Human: OKAY so Ill try to be as concise as possible. Im in a bit of a bind. Im currently a sophomore in college at an esteemed 4-year public university with somewhat steep tuition. I chose this school knowing Id be going into debt because I knew it was what I wanted and needed to flourish, etc. etc. etc. this will become a trend. My parents help me with miscellaneous expenses, but are not contributing to my tuitionhousing. As such I have paid for my education thus far with scholarships, some federal aid, and borrowing the rest. I realized I was digging myself into a hole, but my parents always said you dont need to worry about the debt right now or something similar when I expressed fear about borrowing more. If I mentioned deferment not being the best choice, it was met with a you dont have the money to pay right now, so just dont think about it and worry about it later. Well. I am realizing how much Ive screwed myself, and this is only one example.I have never worked a job on campus did not have the timemental capacity - I have depressionanxiety and maintaining my high GPA is taxing enough and all of my money from a job I briefly worked in high school was quickly spent on textbooks and the like. This upcoming semester spring 18 I will have an unpaid internship in addition to my classes, and no opportunity to work. Ideally I would be able to work in the summer, and living at home would be the most cost-effective way to do this if I couldnt get a paid internship chances are very scarce there given my degree but living at home is a very bad idea for me.Some fast facts: I have currently less than 100 to my name. Yes, it is terrifying. My parents give me money for the things I absolutely need. I do not have the time to devote to a job during the semester. I have no emergency fund, no savings. Yes, it is terrifying. Some of my friends and my SO have IRAs set up by their parents. I am well, well, well aware of how behind I am on preparing for my future financially. My parents cannot afford to take on my loans - they are already paying my older siblings, and they dont make much anyway, 80k yearly. Here is the current situation and most pressing issue. With the intent of saving money overall, I opted to live off-campus next year on-campus housing was 4k more for only 9 mo. of residence during the academic year vs. my 1 full year of rent in a 4-bedroom apartment. I have already signed the lease.So the first problem is finding a way to pay for my apartment next year. If I have to, I will take out loans to do this my parents: just borrow more, thats all you can do at this point. I would really rather not.Second problem: I have not yet run the numbers because I am scared to, but I feel that with all of my loans hitting me at once when my deferment is over after graduation, I wont be able to feed myself or have a place to live. I cannot live with my parents - I am from a small town with very depressing job opportunities fast food and being at home is not healthy for me. Unfortunately. Meanwhile, my SO will be graduating nearly debt-free with an engineering degree. Im scared shitless.I have tried thinking about ways to make money to address the rent issue, and begin saving for the debt issue, but all I see is gathering a sum of money either from working or from a scholarship and promptly having to burn it all up on bills, etc. I dont know how to manage money; I have never had it. Some figures, hopefully they make things clearer:My in-state tuition is 17,900 per academic year. I dont have to pay housing fees for next year, so this will be the sole charge on my student account.My rent for the full year of my lease from Aug 2018-Aug 2019 is 645mo totaling 7095 signed with a cosigner so I dont have to pay security deposit. Or maybe the security deposit is extra, in which case Ill be paying 7740 for 12 mo.As it stands I have borrowed 23,500 in private loans. Broken down: one loan of 8500 with a fixed rate of 7.89, deferred until after graduation one loan of 15,000 with a fixed of 9.23 RIP, also deferred until after graduationFederal loans: Unsubsidized loan of 2000 Subsidized of 3500 Unsubsidized loan of 2000 Subsidized loan of 4500Now maybe a few positives..Scholarships One award of 4500academic year for my academic performance One award of 3400 received last year that I can hopefully renew with successive applications.There are one or two Im leaving out because theyre not renewable and only applied to last yearProspects...kind of? Im pursuing a degree in English - wait, dont run just yet - with a minor in tech writing and potentially fluency in Chinese by the time I graduate. TL;DR: I made decisions on the basis I would figure it out later. I want to start tackling the mess Ive made before its too late. Its catching up to me now because I have to pay for an apartment, and will bite me more later when I graduate. What can I do to begin?Edit: If your comment isnt constructive and is just scolding me for my choices, save it. If your comment is constructive, and addresses any of these issues in a thoughtful manner, thank you very much - Ill get back to you. Youve been helpful.  <response>: Get a summer job; you could look into some summer camps for kids or something. I found it to be a great way to: 1 make some extra for living during the school year and 2 minimize expenses during the summer. They may not pay the best but your net income may be better that way, if you really want to avoid living at home. Focus on getting your degree first and then a job and worry about repayment after. No one really expects you to pay back your student loans the second youve graduated thats how the loan company makes money!. The important part is to make sure that you have a job lined up that can keep up with your expenses and your minimum monthly student loan repayment. Then, any extra money you may have after the small e-fund, goes towards the highest interest rate loan. 