brado, you keep an air of humor about your situation and are looking for direction. While i don't have the answer for you, surely you will find your way out of your situation of debt. Cudos to you for choosing interesting study subjects and for your admirable motivation for doing so. The only helpful perspective i can offer is that in months or years to come we will face another economic collapse. If then the Canadian Dollar will inflate, your debt will lose in significance as well. Good luck to you!