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Without going into a great amount of detail that I am in, I would like some online advice.  
 
Im in school full-time and working several part-time jobs. I am paying for school, my car, my rent, gas, small amount of groceries right now and I'm drowning. I lost my phone (cut off) I am late on rent, and I am paying for school out of pocket on a bi-weekly basis and I am behind on that too. I'm beginning to lose sleep over this. I do not have any family to turn to for help. My debt is fairly severe and I am considering dropping school (in my last year) and looking for work full-time or just going for broke and claiming bankruptcy. I can't seem to get ahead with the jobs I am currently working and picking up more hours/another job almost seems like mental suicide at this point as I have little to almost no time to study as is.  
 
Has anyone been in my situation or know of any resources that I can get in touch with to exercise some possible relief for what I am going through? Please note, I also do not have a phone, so I would prefer e-mails or websites for now.

Go to you're bank and talk to a financial planner. They might have ways to save you some money or plan out expenses.

If you don't want to quit school,you may have to get rid of the car payment,gas,insurance & maintenance expenses.

If you live out of town, advertise to carpool and get gas money that way, if none of your jobs are service with tips, see if you can switch one out for a job with tips, if you don't have a roommate try to get one if possible, go to the food bank (samaritan house), ask your school's student services area if they have any resources to help students having financial crisis, or any bursaries etc., Samaritan House might have some other ideas as well. Good luck!!!

Have you applied for a student loan or line of credit? With the student loan you will be able to claim the interest on your income tax and the government just announced that you don't have to start making payments back until you are making at least $25,000 a year, and I think 6 months out of school. Bankruptcy will screw you for any type of loan in the next 7 years, so forget about car loan or anything else.

Firstly take a deep breath! You are obviously driven to be working different jobs as well as going to school full time. My advice would be to go to your school first, explain your situation and make a plan for payment so they know you are aware of the issue and are working towards a solution. Next, while at school, go to your student association to get a food hamper this is a service both ACC and BU fundraise and collect donations for. (I apologize if you do not go to one of these institutions, I am just assuming)  
 
It may seem so trivial but if you live in the city I would consider selling the car or at the very least not driving it as much as possible. I assume that between school and work it will be difficult logistically to lose the car completely. BUT that being said, if you were to get rid of the car/insurance/fuel etc. would you save enough money that you wouldn't have to work as many jobs?  
 
And lastly, its clear you have been trying to keep up by working, but maybe its time you visit the bank and see about a student loan or small line of credit. This may seem like taking on a lot of debt at once, but with this being your last year it may be worth it in the long run. You could still have a part time job to help offset the loan but at least your schooling would be covered and it would alleviate the stress.  
 
Sorry for the long post, but I just really don't want to see you drop out of school if you have been busting your butt trying to get through it!

You need to have a long, hard look at your expenses.  
 
I wouldn't normally advocate borrowing to pay for school, but in this case because you're so close to finishing it might be a good option. How long of a program is it? Realistically, if you dropped it can you come back in a year or two and finish it (for example, if it's a university program and your need classes x, y and z to graduate)? Or will you have to basically start again from scratch trying to get in, etc? Can you reduce your workload, so that you spend less time in class, have more time for work and homework (and then paying less to the school)? You may stretch out your program, but at least you won't go crazy in the meanwhile.  
 
But look at your expenses. As ynot says, maybe you need to get rid of your car, especially if you have a car loan. If you need transport for work, get rid of your current (debt-ridden) car and buy a beater in cash. But be careful as if you're upside down on your loan you might end up owing on a car that you no longer own (a good reason why car loans are often a bad idea).  
 
Look at your rent. Can you move someplace cheaper? Instead of an apartment, can you just rent a room somewhere? Can you get a roommate? You say you have no family to turn to, but are you sure you couldn't move in with family just until school is finished? Is residence an option that might be cheaper than living on your own (and may include some meals).  
 
You're obviously very determined, and that's what's going to get you through. Instead of picking up more shifts at what's probably a min-wage job, have you looked at getting a higher wage elsewhere?

Agree with most of what you say but taking a loan for educational purposes is about the only loan that is a long term positive investment. If the future employment has the ability to pay off the loan in a reasonable time frame (this is variable) then borrowing is a great idea. No other loan has the same potential, even real estate as it isn't guaranteed of increase over time where education does increase the likely hood of a higher net income exponentially.  
 
Either way, OP, see a bank specialist and read "Debt Free Forever"  
 
Good luck  
Marpet

I disagree. There's lots of ways to pay for school without going into debt, which actually sounds like the OP is doing but got in over their heads with their other expenses. If they're paying rent AND for a car AND for school AND for a phone AND whatever else... that's too much. Somethings gotta give.  
 
Too many kids are coming out of college or uni with massive school debts and then are crushed under the weight of those debts that not even bankruptcy can wipe out. It's delaying the start of adulthood by a decade or more in a lot of cases. That's simply too high a price to pay for an "investment" that has more than one way to invest in.  
 
In the OP's case, because they would only be borrowing to get them through to the end of the year that *may* be worth their while because so much has already been invested (but only they will know the answer). However, that only works if they have a realistic expectation of substantially increasing their earnings (for all we know, they're taking basket-weaving). But if they can't make ends meet right now, adding more debt to the problem isn't necessarily going to solve it, maybe just delay it a bit (which might be enough in this case - we simply don't know).  
 
In addition to "Debt Free Forever" I would also suggest reading through Dave Ramsay's website.

Have you asked if there's financial assistance based on need from your institution. Maybe you qualify for some aid? Also, if you're running out of food make sure you access the food banks, either Samaritan House like someone suggested, or try your student association as I think both BU and ACC have banks for their students. Also, St. Augustine's Church hands out food hampers on Wednesday afternoons.

...I dont disagree with your premise but you might have missed mine. Educational debt is only a bad idea if:  
 
1. The debt is to large for the expected earnings for the given career. Taking a $100000 debt in a basket weaving course would be unwise (unless of course you are really, really, REALLY good).  
 
2. The career that the debt is taken for is so saturated that it is unlikely that you will find a long term career in that field.  
 
If, however the debt is for a reasonable and manageable sum in a field where employment is not only likely but the education itself will all but guarantee a higher income, then the debt is good.  
 
I would agree that most students in debt find themselves there due to poor decisions and poor management of their lives and expenses.  
 
In no way do I imply that this is the situation that the OP is in. I have no knowledge of her debt or how it was obtained.  
 
Sorry for hi-jacking this thread.  
 
Marpet

Everyone seems to have their 2 cents here. Banks tend to shun those who cannot pay, and financial advisers cost money, they are people with jobs who charge you a fee or make commission off the investments they sell. If you would like someone to review your situation with you PM me. I will do so free of charge and share some information on how to deal with debt. Adding a job is NOT how you get out of it.

Be pro-active and talk to those you are in debt to. Your landlord, school etc. Make a plan to pay them at least small amounts until you get ahead. This is better than paying them not at all or paying one and not the other. Especially if you are so close to being done school and can present them with a plan of how you will pay once you are done.  
 
What expenses can you get rid of or reduce? You lost your phone, this might be a good thing. Can you move somewhere cheaper or take in a roommate? Can you get rid of your car? If not walk when you can just to save on gas.  
 
Write down everything you spend. Watch for small expenses to get rid of too like a cup of coffee etc.  
 
Watch for better paying second jobs, maybe one with tips if you can.