Q – I am up to my eyes in debt because I got a loan to help me go back to college a number of years ago.  While college was a great experience and I’m now doing a job I love – the money isn’t great so I’m just about getting by.  Between what’s left of the student loan, a credit union loan, credit card and even ‘buy now pay later’ debts I probably have debts of nearly €40,000.  My rent has gone up in the past few years and I honestly don’t think I have any chance of clearing the loans in the near future.  It’s got to stage where I hate coming home to see what is in the post.  What would you advise? Peter – Blanchardstown Dublin 15

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