Hello Johnny,
It seems my life is similar to yours, except it seems I owe less to banks, about 30kusd but the worst part is that I dont have a job. I quit 8 years and even if Im graduated and worked in many companies, its almost impossible to get a new qualified job nowadays. Im just lost and I dont see any way to get out of gambling, no companies give me a chance go return to work, this is very very bad.
You should be gratefull you have a job so you can see a light in the end of the tunnel…