I'm 22 and a university student, due to a cock up with student finance last year I had no income from September-May, I took out loans to pay the bills for me and DS (including childcare).
I'm in about £10000 worth of debt and with the cost of living etc. I have not made any payments apart from my rent in the past three months. I cannot afford them and they are just mounting and mounting.
I'm at the point where I think bailiffs are imminent. I'm a single parent.
I am seriously considering declaring bankruptcy.
There's no way I'd be able to take out a mortgage in the next six years anyway.
It's keeping me up at night, I don't feel like eating, every second I am stressed about this. I'd just really like a fresh start/clean slate.