Can relate, I'm really sorry for you. I used to have financial worries when I was younger and managed to escape them.
I'm not one who's doing that "everybody gets what he deserves, I worked very hard for my dad's money blablabla" self-delusion and gotta admit it was mostly due to luck though.
Maybe you're catch a break somehow.
You post this on MMO Champion, the responses will more likely tip you over the edge than help you. Best of luck and don't kill yourself. Only cowards do that!