6. Try not to beat yourself up over having obtained a ‘useless’ Bachelor’s Degree. Debt is hell, and things didn’t pan out quite like you expected, but you did get to go to college, and having a degree isn’t the worst thing in the world to have. We will figure this mess out, I think, probably; the point is you’re not worth less just because there hasn’t been an immediate pay off for going to school. Be patient, work with what you have, and remember that a lot of us are in this together.