Hi winterglen, just want to let you know that you are not alone in this. I too feel like a loser and underachiever with no more shot in life. I have been unemployed for the past 2 months because I could no longer function at work due to depression; also am deep in credit card debt chalked up during my manic depression.

For the past 2 months I have not stepped outta my house. I spent most of my days in bed watching dvds. But today I managed to stay get outta my bed after I got up this morning! I guess what I am trying to say is, things do get better. One day at a time. Keep hanging in there!