I have been a single mom for over 10 years. I have been working full-time and going to school. I just graduated and I should be happy but I am in so much debt. I owe taxes, school loans, credit cards, my home is on the market for short sale. I can't budget. I just live from paycheck to paycheck. I have no retirement money, no savings. I am in a deep hole and I can't seem to climb out. I've had no time for relationships due to the kids, work, and school. Can anyone offer good advice?