Have you spokn to anybody about your depression?
All those things that you mentioned are just material objects. There not esentials. Sure it sucks losing your car. But it only serves the same purpose as a much cheaper car.
Maybe you could take a year out of uni to confirm that it is what you want to do. You could spend the time working and pay off some of your bills. Then next year if you still want to go to uni, you will be in a better postion to do it and can reapply for your loan.
Dont be too hard on yourself.
Kim
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