Frankbtl has a good thought; and I want to add, what would make you happy...at work? Money is clearly not everything, and it doesn't make you happy, so what sort of work would do the trick? Because, you probably have to work. At least you do until the debts that you took on are paid off.

I have always been able to work doing something I felt very fulfilled doing. I looked forward to going to my job every single day. But I made peanuts, and had to be very creative to make ends meet sometimes. Could you see yourself doing that? Is working fewer hours an option? If so, it might be a way to get a little of both worlds...