Hi, I am Teo, I am 22 years old and a college student majoring in biochemistry and minoring in both physics and biomedical engineering.

Despite my dedication to my studies and the hard work I put into my work-study and everything I do, I have been unable to find employment.

I have sent out around 120 job applications, all entry level jobs and fast food work. I have gotten 3 interviews and no job offers. I feel myself losing hope with every passing day.

I am around $4000 in credit card debt and because of my payments, I have been literally unable to utilize my work-study paychecks into anything but credit card payments. I have a partner and a dog, I want to start a savings account, I want to be able to better provide for my dog. I want to be able to save up to move out and save up for emergencies. But, I genuinely can't. My work-study is constrained to giving me 9 hours a week for $15.40 an hour, I barely make anything and can barely eat half the days.

It would mean the world to me to be able to pay off my credit card debt. I have frozen and shredded all my cards, but I won't be free until they are paid off.

I find myself struggling to retain hope due to my circumstances and came here in hopes that I can get outside assistance to my problem. I don't know what else to do, I have been trying so hard every single day for the past year and it has been nothing but stress and worry.

I just want to be happy and able to focus on my schoolwork without the looming threat of payments. I have started to lose my hair due to the stress of it all. It has ruined my confidence and any hope I have in myself. I am depressed and constantly stressed. Daily, I wonder if I will be able to afford tomorrow. Everything is always about money and how little of it I have. I just want to focus on my studies and rid myself of this debt.

Please help me, it would mean the world.