I owe just under 2k, but I don’t know how to pay it off

Im 22 and made the worst financial decision/s a little more than a year ago.

Right now my family only has one car and I work overnights, but I can’t work full time because the car is needed for my mom and brother to go to work. Ive thought of uber, but the price of an uber there and back is more than my shift itself. Im looking for other jobs, but the job market is sht so it’s been rough.

On top of that I also have other monthly payments that need to be made which make it extremely difficult to really save up or get any real progress.

What should I do? I know it’s probably a no, but is there a forgiveness program or something?

The adult side of me knows I’d likely just have to keep on grinding it out, but my mental state is terrible right now and to be honest I don’t know if I want to be here much longer. I at least want to just get out of my environment. Not to worry anyone, but just being honest.

Posted Nov 5, 2025, 1:53 AM UTC

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