Hi my name is Tom. Let me first start out by telling you how hard it is for me to even be writing this plea for help. I never thought I would allow myself to get to this point but I have recently hit a all time low in my life. There was a series of family and personal problems that had a devastating impact on me and apparently my judgments. It was during this saddened and depressed time of my life that I unfortunately fell back on my bad habits. I began to gamble online. It became a addiction to me, somewhere I could go to escape my problems. Before I knew it, it became a huge problem in its own. I lost all sense of money and kept thinking I could come back and win back my loses, but in this horrible gamblers frame of mind it never worked out the way I thought it would. Now I am stuck, at the age of only 20, with $2500 in credit card debt and have no where or no one to turn to. I am no longer gambling and am currently seeking help for my gambling problem. Also I am also currently seeking work as much as I can just to pay the monthly bills. I am not only a student at the University of Massachusetts but I am also a athlete here as well which causes my time to be very limited. I am struggling to juggle my studies, sports, and now working and paying off this terrible debt. I am desperately asking for help from anyone that can empathize with me and is able to help me in anyway possible. I will greatly appreciate anything anyone is able to offer. Thank you all.