<prompt> Human: I am 28, and I am not in a good place right now financially. My gf of almost 4 years just broke up with me, and it has made me realize just how much I need to get my act together financially. In the last 10 years, 9.5 of it has been spent in a relationship with 3 different girls and I always put that before myself, which is part of how I got in this mess. I have no savings, I live paycheck to paycheck. I only make around 32k a year before taxes. I also have over 50k in student loans that I pay about 600 a month on, but no bachleors degree to show for it, only an associates. My work pays 5000 a year for classes for me, so I have been taking some classes part time but still wont have a degree for 3-4 years.I am worried that my car is going to break down soon, it has over 170k miles and I would have no money to get another car. I live in the middle of nowhere in an apartment above my parents garage that I share with my little brother who is a slob, and I commute about 40 minutes to work.Now, my ex gf lived about an hour away from me and I would always drive to her on my days off, plus she was in college with no job and I would pay for most things when we went out. I used to go to wawa all the time for food, which I know is a no no and have been cleaning my out my kitchen to get it ready for food shopping. So I know I will save some money there.I just feel so hopeless, I am so behind in life and dont feel I will ever get out of the hole I have dug myself. This student loan just feels heavier and heavier every year. I want to own my own house one day, and have a family. At this rate I wont be able to afford a house or kids until Im almost 50. Any advice would be helpful, thank you.EDIT: I just wanted to say thank you to all the responses, you have all really given me a more positive out look on my life despite the situation I am in. I have decided I am going to try an online school, and track my expenses this month. I will post back with exact expenses and bills later. Thanks again!  <response>: Get that degree! Youre already in the whole fort debt, make it worthwhile. 