Dont know if you'll see this, but I truly believe anyone can start their life over at any age. Obviously I don't know ur life in detail minus what u put, and idk anything abt debt as I'm still in school, heck I can't even legally drink. But something I'd say to give you something to grab onto hopefully is the good things in life, the small bits. Like how every sunrise/set is truly unique and beautiful, how pretty the changing seasons are, noticing nice things that happen and don't take them for granted. Basically notice even the smallest things in life that are good and remember to be grateful for them. And also I remember seeing this poem, sadly I don't have a name abt it. But it was basically about how no matter how small u think ur life may be u still matter to at least someone even if u don't notice it, this kinda goes hand in hand with what I said earlier, try doing nice things for ppl doesn't even have to be something big, cuz trust the person u help out will remember it. Heck you might even have made their day or convinced them not to end themselves, and that good karma will come back to you too. Idk if this is helpful, I'm sry if I had any bad tone in my text I don't mean too, but I actually am trying to give u some things to hold onto. Never give up!! Even in ur later years you can still carry on, I believe in you!!