I am 21 years old, and currently in debt with an CDL (Career Development Loan) To keep it short, during the course I was studying for my mother had to have a spine operation, and as such I was unable to pass this course due to time needed to be spent at home helping her with things, going to shops etc.. The problem now is that I have been unable to find work, i've been on benefits however it doesn't seem to be affecting my situation and they are still demanding money that I just don't have. I was also recently diagnosed with depression and I've been finding it hard to cope, I cannot repay this loan as I can't find a job. I hope you can offer me some advice, I'm very lost right now and don't know my options. Regards David