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Last Updated: April 23, 2026

Freshman University Student in Debt

I hate to have to ask for money. I just started college at 18 after graduating from high school at the top of my class with a 4.55 GPA, with a bright future ahead of me, but my life has fallen apart. I have stopped going to class because I have to DoorDash before I go to work every single day. I just end up spending all the money on gas. I have to constantly be earning money, so I have missed out on every single hangout with my friends, and now I am losing them. I haven’t even been to church in a year because I can’t afford to spend time at the service. I am ashamed. Even though I am working two jobs and DoorDash, I have to send a lot of my money to my mom back at home to pay for her rent since we lost our house in foreclosure following her and my dad’s divorce.

I have 7 siblings, but they all do not have jobs, either because they are too young or they are just too depressed to work. I am constantly sending them money for essentials like soap. I was just diagnosed with bipolar depression, and I truly feel like my life is falling apart. I do not recognize myself. I have two credit cards that are maxed out, adding up to $3000 worth of debt. I am paralyzed. I just started life, and I already failed. I cannot afford the lat $1,000 payment for my semester at college, and if I do not pay it in a week, then I will have to drop out.

I am so embarrassed, but I am trying my best. I need help. Please. I have no idea what to do, but I know I need to keep going. My father committed suicide recently, and I know that is not an option. I would break my family even more. And they wouldn’t have the money to even bury me. :( Please help. I am sorry.

My CashApp is $3lizaArm. Thank you.

Filed Under: Emergency Money Tagged With: USA

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