My economic life has become a sinking ship....

[packman]

20. Not to go all Zen on you, but

the past is the past. Live in the present and the future will be there anyway, no matter what you do.

Practically speaking, declare bankruptcy if that's an option. This will relieve those credit card debts. If you can't do that and the credit cards are unsecured, don't pay them. Period. No payments. Expect hounding calls, letters, harassment from them, but if they are a real burden just walk away.

Rent your house out. If the market is slow for buyers, rentals will help. However be careful of whom you are renting out to so they do not damage your house.

Look at your credentials. Teaching is noble and you are to be commended for your concerns about your students. However, are you in a field that has some weight in any related areas? Think a bit beyond the box you seem to have built around yourself.

Don't let circumstances make a slave out of you and cause you to despair.