I goofed off my sophomore year and spent the money that was supposed to go to my university on paying bills and partying. I am in debt 3500, and have no family that can lend me the money. My credit is bad so I cannot get a loan. I have a full time job serving but cannot save the money with having to pay for current bills in this bad economy. Does anyone have any ideas how I can get this paid? So I can get my credits transferred? I only have two years left that I can go to college for free (under chapter 35 V.A.) so I cannot start over.

Which country do you live in?

If you can't get a loan yet, then it's time for you to rebuild your credit history. Get a second job if you have to. Hopefully you learned from your mistakes, but now it's time to face the consequences of your actions. Work harder so that you can save up to go back to college.

In the meantime, study part time so that you don't have to pay out as much each semester.

Unless you have scholarships, it's very difficult to get a free education.