Shoot where do I begin, My name is Carlos I'm 23 years old and I'm trying to put myself through college and clear my debt at the same time without accumulating anymore (I know probably impossible) but worth a shot. I don't want to sound repetitive with the same old sob story but I'll provide enough details to illustrate why I need help. I'm the first in my family to graduate high school and have the opportunity to even attend college. My mom raised 4 boys as a single parent, (with no family here) so we barely had enough to get by. So, I get accepted to college, I get financial aid but it's barely enough I still have to pay a few thousand out of pocket each semester, but up until now it was no big issue because I was working a full time job as a supervisor making enough money to help with school. I was at my job for 3 years, I was struggling but surviving. I had saved enough to buy myself a decent car to get around school and work. Long story short, the company I worked for went out of business in 2016 and I was screwed. I ran through my savings trying to keep up with my bills, and tuition with school. I started paying my car note, bills and school with my credit cards but eventually couldn't even pay those off either and went into collections. I amassed this huge debt and now I'm living paycheck to paycheck, yes I have a part time minimum wage job but it's with barely enough money to support my bills let alone school. I was on unemployment until I was lucky enough to get hired somewhere. I took out a loan for school but I have to pay that back. I screwed up my credit score and now I'm stuck, I don't know what to do and have no one to ask for help, I wouldn't be here if I didn't need it. I know things happen and I got myself in this situation and should have been better prepared to handle this but I wasn't. I was not expecting my company to go out of business. This is my last resort, I have a year and a half left at school and I will have graduated with my BA in communications, first in my family to graduate high school and college. I don't like to ask for help let alone beg, but I'm asking from the bottom of my heart (and pockets) for you guys to help me out here, I'm just trying to better my life to be able to take care of my family. I just want to finish what I started, finish college. I believe in karma and trust me I will pay it forward. Thanks for taking your time to read this. God Bless.