I really hope you find the way that you don’t need to speak and you feel comfortable and you pay back and then you start to re-approach stuttering with hope. In fact, I was similar to your situation. After graduation, I got 20000 dollar debt. And I graduated with high GPA. But because of my speech, until now I have nothing. People see me as werid. But I don’t want to die. I would rather go into a forest and being with nature. Anyway, I’m looking for a way to earn money without burden to speak.