I don’t agree with your last sentence. You are coping the best you can. You are managing your debt – you have kept a home for yourself, you have a master’s degree and you have a job that pays the bills. That says a lot about you.
The important thing now is not to gamble again – not to chase losses – as you know long term you cannot win. I take it that you have sought financial advice? I decided to pay off all my debt – even though I was told that there may be ways around it. Looking back I am not sure I made the right choice, so if you have choices think long and hard about them.
Guilt, shame, regret – I would add feelings of failure – go with the territory. It is only since coming out the other side of both gambling and debt that I feel that I can let go of some of those feelings. Doing so with the support of a community of people helped me – as I have no immediate family. For some that can be GA – for some a religious group – for others a counselling support group – it could be good to check what there is in your area.
If you can, meet up with people in group here – that may be the start of talking things through with people who have been there (and in some cases are still there.) I have only been here a few months but I have been impressed with what a supportive and non-judgemental community exists on this site.
I know you are probably feeling quite down at the moment – but all feelings will pass and when you are stronger please take a look at what you can do to put yourself in a better place. My thoughts are with you and your recovery.