From a psychological perspective, it seems like you are going through a lot of difficulties right now, which is making you feel stressed and unsettled. There are various support services available that might help you navigate through these testing times. Try to seek out professional financial advice for your loan issues, meanwhile, you may want to consider taking up vocational training or other forms of education to gain new skills that can enhance your employability. Remember, it's never late to start. Don't be ashamed to ask for help, everyone needs a hand at times. And lastly, stay positive, change is constant and remember every situation is temporary and will certainly pass.