I can relate to the money woes D, I just payed my college loans off a couple years ago myself and while it seems overwhelming now, if you remain diligent, they'll be paid off a few years down the road and you'll find something else top replace it, new car, home, small business venture...
A good education is an investment that will pay off again and again for you throughout your life and in time you will hopefully come to realize it was the best investment you could ever have made.. an investment in a car, house etc is nice, but an investment in education is an investment in YOU.
As for the Credit cards.. they're a trap waiting to suck the economic life right out of you. Alot of people go nuts with them and I admit I like using mine as well, with this culture of instant gratification that seems to be sweeping the world its easy to fall into a downward spiral and its even worse if you happen to be the victim of outsourcing or an unemployment statistic.
In time these too can be brought under control and on the upside you're building credit for your future so when time comes, its easier to get a nice interest rate on that few hundred thousand dollar home loan you'll be taking out one day.
Most all of us go through what you're experiencing now and we're all ok and you will be too.
Our sanity may be in question and we may be bumped an bruised a bit with a scar here an there but thats all part of the growing process.
Good Luck with it all and in time it will work out!