I understand completely where you are coming from because I was just there yesterday. I won't go in to naming all of my issues but believe this...you will not always feel this way, it is temporary. Please don't make a permanent decision over a temporary reason.
And ignore the posts (EVA) who want to condemn you for feeling this way...they truly don't understand what if feels like to be in your frame of mind so they can't respond effectively. Now...the first thing to do is take a deep breath and tell yourself "OK, some things have happened but what do I have to feel good about?" You have parents that let you move back in with them.
That's great and it buys you some time to deal with the rest. Remember to thank them, it will make you feel good and they will appreciate it, too. Your confidence will increase as you are able to accomplish what needs taking care of first - probably the loan/debt.
Talk to whoever you owe this money to and see if something can be worked out. If there is absolutely nothing that is acceptable to the lender...well, there is always bankruptcy...but most lenders will work with you before things get to that point. One thing to do right now is to examine everything you own (this won't be easy but if you are truly at your wits end, do it anyway) and sell whatever you can to make some money.
(It can be replaced later when you are back in control, so don't obsess about this.) If you need (I mean, really, really, really need) your car, keep it. If you can use public transportation for a while, it's a lot cheaper. Stop all luxuries and unnecessary spending TODAY.
No more McDonalds, Starbucks, etc. If you are working full time, try to pick up some overtime or use some of your extra time to get another part-time job. Now is not the time to be too proud or picky, no matter how successful you were. Now is the time to say "I am a winner, I can do this, I will succeed, and I will be a better person for it."
A couple of good part time jobs come to mind right now where you can make some pretty quick money and start right away - house sitting/pet sitting, waiting tables (tips) in a restaurant and/or cleaning homes/businesses. If you have become unemployed, I'd go with the cleaning jobs because you can usually make up your own schedule, and if you are good and fast you should be able to take in about $20 - $25 or more per hour. Business cleaning is usually done at night - offices, restaurants, bars.
Your expenditures, travel costs, supplies, etc. are tax deductible as long as you are self-employed. Use your computer, print up some flyers about how awesome you are at what you do and why they should want you, try to figure out some times where you have done these things in the past and use them for references, and pass these out wherever you go. Take them door to door in areas where you would want to work.
It is a very successful way of getting clients. Put a little "free to new clients" offer with it. If you need to go back to school, now is the time.
Do it. You can arrange your work schedule around your school schedule. If what you were doing in the past is phasing out and people are losing their jobs, ask yourself what you are really good at and what your are really intense about and find something in that field.
You will probably amaze yourself at what comes up. Get school loans if you must but if you can pay without them by living with your parents and working, do that. Remember, no luxuries except the car and sell that if you can use public transportation.
The extra walking will improve your mood. Now...if you still don't feel better, get to a doctor TODAY. Your depression is probably due to your circumstances at the moment but you can feel better if you get some help with some meds and talk therapy.
You might be able to find free online group therapy - I am in the process of searching for this myself so right now I can't direct you to anything specific. Maybe someone else can. As far as friends who have disappeared - real friends don't do that.
I am sure you have at least one REAL friend who is always there for you, even if it's someone you haven't talked to in a while but you know you can always call and pick up where you left off. Call them TODAY. Talk, vent, cry and everything else that you need to do.
Then get started on the work I outlined. TODAY is the day you are going to change your life. So get started and best wishes to you for a long and happy future.
I wouldn't advocate suicide under any circumstances. What about your family who love you and would miss you no end, if you were suddenly not here. You have certainly fallen on hard times, but remember there are others who are in the same position, out of work and no future in sight.
Your parents will try to give you as much moral support as their able to do. With the circumstances as they are it will be a strain on them, and you, because you are one who doesn't take advantage. That's what so awful about unemployment, in this so called democracy, not a job in sight, and no inkling of any jobs coming available in the near future.
And the Big Society that Mr Cameron is so keen to have you take part in. This doesn't do anything for your morale. But maybe if you got out there and involved it would perhaps take your mind off the debts for the time being.
Which you cannot do much about anyway. When things start to look up and jobs become available again then you can begin your life again. I myself was retired at 45 years of age, serious, no kidding, Although I was only semiskilled employers wouldn't take me on because of my age.
Since then the age discrimination law has come into effect. Didn't do me much good. But my story is history, and I survived and did other things for other people who benefited by my time and patience.
Look at this turnaround in your fortunes as an enforced holiday at the expense of the Government. You have time plenty of time, so try to make use of it, maybe not for yourself but others who would really appreciate you being involved and taking an interest in them. Givemestrength.
I cant really gove you an answer,but what I can give you is a way to a solution, that is you have to find the anglde that you relate to or peaks your interest. A good paper is one that people get drawn into because it reaches them ln some way.As for me WW11 to me, I think of the holocaust and the effect it had on the survivors, their families and those who stood by and did nothing until it was too late.