i’m struggling heavily and looking to pay off my student loans and credit card debt in order to go back to school and be able to get a better job. my family is selling our house, and they expect me to be able to get my own place to live, and i currently cannot do that. my credit score is awful due to credit card debt and student loans building up, and i have no way of paying them anytime soon, but it is too low for an apartment or a housing loan. i had to take a year off of school because my family needed me to take care of my grandfather who was diagnosed with cancer, and this gap year kicked my student loan payment process into effect, so i cannot afford to pay that and my credit card bills and also be in school full time. please help me get on my feet, every penny is greatly appreciated and i will be forever grateful. thank you so much in advance.