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call your advisor at school and explain your problem, see if you can skip this semester without losing your placement in the fall. find a job. save up. go to school in september with money in the bank, so you don't have all this pressure on you. school isn't a race. delaying graduation by a year isn't going to kill you.

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this is really good advice, and I would probably do it, except that I feel like such a dropout when Im not in school. I have all this potential, Im a smart guy and I am just not putting it together. Kinda makes me feel like a failure.

I think there's a possibility I would do this for the summer mini-mester, then continue in the fall.

regardless, thanks for the advice.