Take care, Suttametta, take care, your life is valuable, and Mkoll is right to let you know that there are people who can listen, we all go through rough patches. And all things are impermanent- even debt.
I want to show you one way in which your experiences are valuable- I want to use them as an opportunity to highlight how the Catholic Church supports appropriate candidates for monastic life or the priesthood who might have student debt. Catholics have the "Laboure Society", http://labouresociety.org
, which assists with student debt resolution for select candidates. If you feel like something like this could be useful in Buddhism, you shouldn't be despondent about your debt, you should talk to like-minded people and make it happen. Even if it monastic life mightn't necessarily be for you at the moment, it may be able to help others.
Of course, the Catholic church has institutional differences to Buddhism and is established in the West, and sponsored loan repayments wouldn't suit those seeking temporary ordination, but it's certainly an idea for serious future monastics in countries like the US where people have a lot of student debt.