Student Loan Debt Strangles 24-Year-Old Teacher

It's a little ridiculous how close a teacher's salary is to the poverty line. Today, I hit a low. For months now, I've been struggling to make ends meet. I'm a 24-year old kid... what kind of debt can I be in? Is it Carrie-esque credit card debt due to my addiction to designer clothes and shoes? No, that can't be it since I'm wearing the same shit since college. Is it my Starbucks addictions that's draining my wallet? No, I don't even drink coffee and I hate those establishments. Is it my 4-year old son that constantly needs new shoes because he is growing so fast? No, that can't be it, I don't have kids. So what the hell is it? Let's see: Rent, Car, Full coverage insurance, cell phone bill, utilities, student loans, credit cards. Where is the extra for savings? Where is the extra for a new bra or a massage or cable television? Well, it's just not there. Yes, I can go all Taylor Mali on you and TELL YOU the difference a teacher makes, but what good will that do but to substitute the embarrassment I feel for dropping my co-signer's credit score several points for a moment of empowerment? When my students tell me they want to be a famous football player or an actress I always support them but try to throw a "you should still go to college and continue your education" in there for safe-keeping. But honestly, if they're going to still end up struggling, I should help them focus all their energy on this goal even though actors and football players are like one in a million. That one in a million is still a chance. Why the hell not? And what hope is there for me? I keep putting off writing because the chance of being the bestseller I want to be is so minimal. Every time I put my energy in something I really want, I expect to the be the best, but I'm so nervous to not be the best at something that is a huge risk like authorship. I can't give up on my dream like this and everyone who knows me is so supportive - they probably believe in me more than I believe in myself and it scares me. What if I disappoint them?