You'll be able to pay those bill off a bit better as an architect than as a minimum wage earner. maybe find a different job, one with tips or something. what about student loans vs the plastic? during summer break you can work three jobs and catch up, but don't quit, it is hard to go back. do you have anyone that can help you, grandparents, siblings, etc? if your story is compelling enough, oprah will even help (lol) ok, not funny. but stick with it, it will be worth it.