Wow, I didn't think it would be getting to that. sorry to hear it. Odd bit of advice, don't take a loan unless you have to. A lot of times people take a loan to get themselves out of a hole, or to make their lives easier (i.e. get a bus ride) but- the interest will kill you...
I see. it looks like you are not motivated- sorry to put it that way, but you have gotten yourself in to a place where you need to do a lot, but you are willing to do so little. I could kind of feel that you needed a break when you said that you were feeling stressed, but with this level of need, boring yourself to death is the last thing you want to do. Find something small that you can do for cash- if you have time. Cut amenities- where are you getting internet? how much are you spending on heating/cooking? if you are renting a place to stay, could you share it to have someone else help with rent/food? I know I'm sounding like a domineering parent, but I'm not sure how else to put this...
what I'm trying to say it that the way to deal with what you feel is stress right now is not the normal way. usually, people would take the time to slow down their life until the got over it-- you, are at the most important part of your life. you are 18 and making your way forward in your life. especially with the way money is flowing now, you need either an education that is paid or a job to work towards an education. My dad has a student who is very good, but he works a night shift at a local grocery store for money and can't stay awake in class sometimes. It's a choice you have to make. Snapping yourself out of this slow period will be ridiculously stressful and hard, but you have to make the choice... It's all I can say
pkmnfn