I would suggest create a profile on Upwork.com (or some other active freelancing website) and list down your areas of knowledge. Price yourself competitively -

I would suggest create a profile on Upwork.com (or some other active freelancing website) and list down your areas of knowledge. Price yourself competitively - slightly below average rates so as not be considered cheap and low quality but not overpriced as well. This will help in 2 ways: 1) Slowly bring in cash which will tackle your $50k debt in definite time period. Remember "compounding" is the biggest weapon! 2) The client's project will be short self contained tasks which will bind you in a timeframe to complete stuff. This is very important if you want to grow the focus and tenacity that you lack right now. After a couple of months or a year, you will notice substantial benefits. The big debt will have come down a lot + you would have learnt to execute on ideas. Now you will finally be ready to execute on your own stuff and make it big hopefully. (Advice rendered from personal experiences!)