A few months ago, an old friend that I knew when I was only a child reached out to me on social media after I tweeted about how I was struggling financially and that I needed to win the lottery. She told me about a man that she had known who was basically her “sugar daddy” but all she did was talk to him and keep him company. She told me she had to stop doing it, because her fiancé was not comfortable with it. She then asked if I would be interested in replacing her. Me, being 20 years old and naive, said “Sure!” Thinking, what’s the worst that could happen? I mean, all I had to do was talk to the guy. I started talking to him, my boyfriend knowing about it and encouraging me to pursue it if he was going to pay me for it. After the first day, he sent me his bank account information. Then I really thought that there’s no way he couldn’t be legit. I mean, he sent me HIS bank information so that I could pay off my credit card. After the payment went through on my credit card, he asked me to send a part of that through Venmo to someone else, and then he would send me more. This is where I got stupid. I thought at that point that that seemed fishy, but my boyfriend convinced me that if I did that, then I could continue to get money from him. I finally agreed and sent around $1,600 to someone on Venmo through multiple payments since Venmo only lets you send so much at a time. It took several days for those payments to go through from my credit card. One morning, I got up and checked to see if the payment had went through since the man kept asking me. I logged in to see that not only had the payments gone through, but that the entire total he had sent me before, around $2,500, had been taken back out of my account. This left me about $4,500 in debt. I couldn’t get in contact with him after that. That bank account information no longer worked. I was heartbroken. I was scared. No one that I talked to was able to do anything about any of this. My temporary job was ending and the new job that I had lined up, fell through. I wasn’t able to make any payments. And to make matters worse, only a couple weeks before this happened, I had taken out a personal loan of $750 dollars. A few months go by and I’m still jobless, broke, and eating one meal a day just to survive. That meal was typically a bag of popcorn or maybe a bowl of cereal. I have been constantly depressed since then. I considered ending everything, because how could I get out of this? I couldn’t tell my parents, they’d disown me. I just wanted to die. I still do. I had been trying to take out the loan to boost my credit score, because for a long time I have been trying to get an apartment, so I could stop living in the little bedroom of a family member’s home. And then I wasn’t able to make the payments on the loan. Now I’m stuck with a terrible credit score, struggling to afford anything. I finally was hired just a few days ago, but the pay will never be enough to fix this, at least not anytime soon. And with Christmas coming up, this is just making matters worse. I just want to get my life back on track. I’m only 20 years old, I shouldn’t be this depressed or this bad off. I just need a little help to get to where I should be, and anything helps. I will never make a mistake like this again, I’ve hated myself every second for it. Please help me get out of the hole I’m stuck in.