When is it time to call it quits on your educational dreams ?

I’ve been trying to get back to university for 10 years now… but I don’t know how to narrow down what I want to take… or how to pay for it.. I owe $25,000 in student loans and my credit rating is ruined… I read old textbooks from the library in order to keep up with friends with masters degrees and rich family members. I would love if their was a Ph.D. program in General Studies… but alas it doesn’t exist. Alberta has hiring freezes in most the subject areas that I’m interested in… Teaching, Government… basically anything cool. I live at home and can collect disability for the rest of my life. My only options seem to sleep all day and read outdated books from my local library… I don’t know… the job market is bad in my town… even for dishwashers. Should I be patient and wait until the economy recovers or should I keep trying to get a decent education… I have one year of Business and office Administration and two years of Bach. of Arts in Psychology. Is there some magic way to get ahead… or should I stay where I am for now… what should I do? Unless their is a way to use the post-secondary education before I finish a degree.