<prompt> Human: Hello all, Im hoping I can find some advice here. I had a tragic family death in July of 2017 which heavily affected me. He was my best friend, my little brother. I was in my second year of college Im 24 yo and after the incident I found it hard to focus on school, or even want to get out of bed. I was in a very depressed, sad state for nearly 9 months. I am feeling a lot better now and I really want to go back to college. Although, Ive discovered I want to change my major and transfer to a different university. I stopped working in 2016 to start college for the first time, but i noticed living off of just the money I was getting from financial aid wasnt enough. I decided to start working again, and I got my old job back. The incident happened a week after I started working part time. I managed to finish the fall semester of 2017 but my grades tanked. I did sign up for the Spring 2018 semester, but a week in I dropped all of my classes. In March of 2018, my job site decided to close down, and I lost my job. I found a new job 2 months later in May and I now make 14.45h with full benefits, I work 40 hours a week on 1st shift. My checks are 891, bi weekly. I recently decided I wanted to go back to school, but I owe the university 4000, and I have to pay it back before I can get my transcripts to transfer. I have not contacted the university yet to see if there is anyway I can get my transcripts if I agree to pay the amount over time. My student loans also started to have to be paid in July at 75 a month. I also have a credit card that I pay 20 a month on to keep in good standing, car insurance, car payment, etc. I figured up my monthly cost and it is 778month, not including food for myself and rent because I live with my parents, who feed me bless their hearts.778 broken down like this:gym membership - 34credit card payment - 20crunchyroll - 19.95discord - 4.99car insurance - 109.53car payment - 307.66student loans - 75hulu - 11.99spotify - 14.99phone billparents loan payment for downpayment on car - 180Today I canceled the hulu and discord subscriptions. Unfortunately I have saved nothing but 200 currently in my bank account. I also have 2476 in medical bills that are in collections. I know that once I start college back up again, I wont be able to work as much, and I dont believe that my current job factory will work with me on my schedule. The factory I currently work at only has 1st and 3rd shifts currently, and everyone on each shift works the same schedule, 6AM-2PM for my shift. Im not really sure where to go from here. I really want to go back to college and start a degree I know I will enjoy, since I do a lot of the work in my spare time anyway. Thank you anyone who can offer me advice.edit: posted the wrong years for university information fixed,college credits 28 passed  <response>: You need to catch up on some of your debts and cut out even more of your extras. You will not be able to get your transcripts until you pay up. 