I have major debt but the most important debt is my outstanding balance to my college, preventing me from going back to school. I dropped out early 2018 before the semester was over, hence I owe almost $4,900 to the school. The debt was spread out to different semesters, as shown in the photo, but I’m not sure why — no one has been getting back to me from my school. I have an additional $20,000 of credit card debt that has been overdue for 2 years. I’ve been making payments here and there, but as one of my debt has already led to a lawsuit, I don’t know how much longer the other debts will wait before filing a lawsuit as well.
I need desperate help. I dropped out and got into this dire financial situation because of depression. My depression led to 2 years of binge eating and a traumatic belief that my father was domestic violent, which was the reason for my $20,000 debt. It was horrifying because I knew I had an eating problem, but couldn’t recognize in the moment how much debt I was getting myself into. Moreover, I couldn’t even tell that my father wasn’t domestically violent, though definitely verbally abusive. I stayed away from home as much as possible despite not having money. I relied on credit cards to do this for almost a year. My depression was severe, so I lost my ability to rationalize, comprehend, even think. I went to therapy starting November 2017 and actually went for 5 consistent months into April 2018. My therapist advised AGAINST medication; hence my fight against depression was truly willpower and determination. I was doing well but one trigger sent me into a very bad bout of depression that lasted for months. I dropped out. I then spent over a month literally in bed, incapable of doing anything. I stopped going to therapy then. When I left, I felt as if I didn’t know what to do anymore. I just wanted to get better, that was all I wanted. I couldn’t think about paying off my debts, finishing school, finding a job, because my depression interfered with a previous opportunity I had at a leading corporation.
I’ve finally recovered, but money has become a major obstacle. I recently got a lawsuit from one of my debts and had to borrow money from my parents to pay that off. Unfortunately, that was all the money they could offer me. I’ve been exploring many other options to make money:
1, I’ve tried affiliate marketing but haven’t been succeeding
2, I’ve tried finding jobs, whether random employment or internships, but haven’t been hearing back. I’ve been wanting to rejoin my previous companies as I know I can always return, but I don’t have the funds to even buy professional clothes, a laptop, let alone the transportation necessary to get to the workplace (it’s upstate New York. I live in Brooklyn, NYC)
3, I’ve been trying to sell things I own. I’ve been succeeding — selling my piano, guitar, fridge, clothes, games, gameboys, etc, but that has only amassed to about $300. It was good for only a few months of groceries (I’ve been trying to make money since the start of this year).
4, I was supposed to get at least another $500 from selling my Yugioh cards to a company that actually buys cards. That would’ve been good for minimum payments for all of my debt accounts, but the company took back the offer and said my cards weren’t in “good enough condition.” I’m now waiting for the cards to get back to me — which there’s no guarantee I’d get the same cards that were valuable back, let alone in good condition
5, I’ve been trying to get freelance gigs, and have been doing some but it’s been 7 months and the most basic fees for me to survive use up the money I make. My expenses are as low as they can be. ~$120 for public transportation a month, ~$30 for gym [I was obese. This was a desperate necessity. I’ve lost 25 pounds in 6 weeks. I have proof.], ~100 for food a month. That’s it. I rewear clothes as much as necessary. Skimp as much as necessary. But I can’t save without any source of income. My mom’s retired. My brother is worse than me by 1,000 fold. He doesn’t care about life and hasn’t done anything for almost a decade now. My dad’s very low-income but he gambles like his life depends on it. Despite having enough money to pay rent, we end up having to borrow from my parents’ friends [ridiculous, I know.]
6, I’ve been trying to liquidate more valuable items I own — a few antiques and stamps. I haven’t been able to find a buyer for 7 months no matter how low the price I’ve put them. Instead, I receive death threats for being “ridiculous” with my prices.
7, I’ve been trying to sell a high level mobile gaming account, as they sell for very high. I can’t get this to sell no matter how I try either
8, I’ve been applying to scholarships but am restricted by my lack of access to my transcript. I owe the $4,900 and it’s preventing me from getting my transcript. For other scholarships, I won’t hear back until after the semester has started
9, I’ve been trying to win cash opportunities like writing competitions. I heard back once to sign an agreement and never again. I’ve followed up many times but it seems as if the opportunity just dissolved into thin air
10, I’ve emailed the president of my school to help with my outstanding balance but he hasn’t replied
11, I’ve asked random people I don’t know literally to beg. No responses
12, I don’t have friends anymore. Not after leaving everyone because of depression and therapy. I’ve tried asking some online friends I met in games while I was recovering, but no one can provide
I’m completely lost but I’m not giving up because if I give up, am I not going to do anything again? I’ve recovered from depression. I’ve learned so much. I know exactly how to get back to a job but I don’t have the money to even get into that job, looking presentable. I want to graduate but can’t even enroll. I need any help I can get. I can provide proof of all my claims and all my attempts in making money. I just need help and am thankful for anything!