Or no job, like me.. I went back to school when I was married 8 years ago. My marriage ended & I couldn't finish school because I was a complete wreck & had to go back to work. I now have 40k of debt I can't pay, no degree, & nothing good enough to put on a resume to get a decent job to get by on. I'm broke, can't pay my student loans (they're threatening me w/ wage garnishment & to take any kind of tax refund I may get), & my credit is ruined. I work a job I despise & I'm drowning financially. Destitute at this point.

I wish I had a real answer to give to the OP. So many people are in this situation & it is a crying shame.