anotherbrokepilot
Don't kill yourself. That's my advice.
I'm in exactly the same position regards qualifications, plus the good old student loan but I didn't put any debt on credit cards. They are very bad news and clearing those should be your main priority after eating food and drinking water. (tapwater, that is)
I got my money from kind relatives who no longer wish to speak to me and who run screaming when I go to their houses to say hello. I also sold my grandmother but I didn't get very much for her.
I have done stupid rubbish jobs as stop gaps which is not fun at all and have now come to the conclusion that I should have tried to get the best highest paying job I could (that wasn't flying) earlier on, in order to salvage the situation, regardless of how long it takes for aviation to sort its sorry life out again.
In terms of negative equity, I am the poorest person I know by miles (and that includes qualified med students and other friends with flippin' mortgages) , and sometimes I have to stop myself trying to explain to homeless people why I can't SPARE ANY CHANGE for them. it's a ridiculous situation.
I think that perspective is important in our situation. Today I went to a rememberance service for a friend of mine who died suddenly five years ago at the grand old age of seventeen.
Unfortunately we live in a world where, in a rather contradictory way, money is essential but isn't necessary. This is a paradox and so we can't remain philosophical without playing the game of money in this life.
There is no quick fix to this problem except hard work, determination, and time. If you are prepared for positive developments and you are working hard at something then you are in the best possible situation you can be in. Set yourself realistic repayment targets but in the immortal words of gold leader from star wars, STAY ON TARGET.........STAY ON TARGET......STAY ON TARGET.....
And hopefully, soon you will get that X-Wing job and be apart of the rebel alliance as and when this disturbance in the force has disappeared for the forseeable future.
Seriously though, good luck to all at this difficult time. It is getting better, but slowly...