i din finish the whole thread but if you really think education can make your life better then.. i suggest you study for a professional paper, no need to attend class, this will save a lot on school fees. 

just buy some text books and pay for the exam, if u have friend, just borrow the book from them

wow... you can do that? what kind of professional paper... acca?

Certificate is no biggie.

If you are well-versed in english, both written and oral, people would hire you.

^is it possible to do that? I mean, UPU accepts eventhough the SPM result was years ago?

for TS, I wish you'll find a way out. Sorry I don't know what to suggest

Ok before I start, I want to let you know that I've already done alot of researched and considered alot of options myself. However it all seems to come to a dead end. I'm posting this here in hope some of you may suggest me other ways that slipped my minds or inform me about people or places that could help. And I hope this is the right place to post this kind of topic.

I'm 21 this year and I've been out of college for more than a year. Prior to this I was studying abroad. I was about to begin my 3rd year of my degree. Long story short, I got into some difficulties which not only exhausted all my money but money I did not own ended up being spent on me. Therefore, I am heavily in debt. My debt is no small amount and I probably can never settle it doing unskilled or non-professional jobs. I expect my creditors to take legal action soon. As it is now, I can't get  any kind of education loan or any loan for that matter.

Even though I'm almost into my 3rd year, it's not easy to transfer over to a local college. Most do not want to accept me. To make matters worse, my highest qualification so far is SPM. I did not take any pre-university course or exam. US universities do no require that.

An education is something one can't do without these days. I could never get a decent job without one. I do not think I'm too grand to do oddjobs or hard labor, however I have some disability in moving around, which severely limits my ability to do those kinds of jobs.  And definitely I can't be a cashier or store helper for the rest of my life. The money might be enough for food now, but as I grow older, my expenses will grow.

Even a degree in Utar will come to about 35000. With the kind of pay I might be able to get now, it would take at least 6 years to save up that amount. The fees too will increase as the years go by. That too is subject to whether I can save any money in the first place.

If possible I wish to take the shortest route to get some kind of qualification. I've studied alot and I do not wish to waste time and money redoing everything again. It will reduce the financial burden and also enable me to get a decent job faster, a bearable work place and maybe some medical benefits.

Before I receive any ridiculous comments, I know that without money there's nothing much I can do and I can't be choosy either. If it's my fate to be poor I'm fine with that, but of course I've to seek all the information I can find. I'm just so lost now.

Thanks even if you just spared your time to read and it's be really great if you have any suggestions.

A good redirection for wandering surfers if s/he do answer.
But since that particular post is more than a year old, I doubt s/he would.