30K in debt at 19

Hi guys, I really need help.

At 19, a day before my 20th birthday, I got into a crash. Due to complications with parents and FASFA, I was stupid enough to think it was fine to not pay for a month while I try to scrounge up money. Haha no.

I got into a crash, me at fault, and now I’m 30k in debt. I decided for myself that I will drop out, move into my own place, and work vigorously 55-60 hour weeks to pay it off in a year. Now, I have a car that barely works, no money, a place I’m moving into but again, no money until I start saving up.

I keep telling myself I’ll save up for it, but funds keep going everywhere since I’m not settled anywhere yet.

I don’t know what I’m trying to ask, but could someone please give this kid who had no parental help, some guidance?

Thank you for reading

Posted Aug 5, 2026, 1:27 PM UTC

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