James in the UK is Feeling Horrible About His Situation.

“Dear Steve,

I’m a student going into my second year and have got myself into a lot of debt.

I owe
£350 to a payday loan company (who are threatening me with bailifs)
£244 phone bill (contract monthly £35)
£240 for my first months rent on house
I have no income whatsoever till I get my student loan in septemeber or october.
I have a £1250 overdraft (interest free) which is maxxed out and have nearly maxed out my £500 credit card.

I need to get the rent by the 21st of next month otherwise i wont be able to go back to university and will be alot worse of then I am now.

What can I do to get myself out of this mess? I feel very suicidal and getting to breaking point.


Dear James,

The answer might be obvious but you can’t see it. James, you can’t afford to go to school. You might just have to drop out and go get a job to repay your debts. Once you get that under control you can go back to school.

The stress and pressure is making you desperate and feeling suicidal but if you take action to address the underlying problem, no income, you will begin to feel better quickly.

This is the same situation millions of people around the world find themselves in every single year. It is unfortunate, but not insurmountable.


You are not alone. I'm here to help. There is no need to suffer in silence. We can get through this. Tomorrow can be better than today. Don't give up.

Steve Rhode
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