12 years ago, I graduated from U.T.I. (Universal Technical Institute) with a degree in automotive. I originally gained an interest in the automotive industry when I took the automotive class at BOCES while in high school when my area representative for UTI visited our BOCES center and filled the young kids' heads with lies and fantasies about how they can make lots 'n' lots of money overnight "if they go to UTI!" And being the young and dumb naÃ¯ve kid I was at the time, I fell for all the hype. 12 years after getting my degree, I am still paying off student loans for that school (just under $7,000 of debt remaining) and I am realizing just how much of a joke my career as an automotive technician really is. Every shop and dealer I have worked at since has either fired me because I was not learning fast enough to satisfy them or they were just satisfied with leaving me at a mediocre position where I just barely squeak by in life doing crap jobs that don't pay much of anything. Right now, I should be a master tech who can diagnose anything, but I am barely a mid-level if that and I have yet to make $40,000 in one year. I got married almost a year ago, and ever since I put my wife on my health care plan, it has been a struggle to earn over $300 weekly of take home pay. And yet we want to buy a house and have kids even though we can barely afford the rent on our 2 bedroom apartment with no kids. And needless to say that my wife someday being a stay-at-home mom is out of the question which will cause other Christians to look down on me as a "dead beat" because of the income I make (or the lack thereof). I don't hate the work I do, but the pay I make now in this economy will definitely leave my wife and I in poverty once we eventually have kids, and I don't see my career ever getting any better. I feel like I have wasted the last 14 years of my life on a career that is getting me nowhere. I need to change careers if there will ever be any hope of a financial future for my family, but the only way that'll happen is if I go back to school. But there are a few problems with that. #1; I still need my job just to survive, #2; I've never been good with academics and test taking (which is the #1 reason why I'm a failure in the first place), and #3; the only way I can afford to go back to school now is to take on more student loans which I can't do because "Dave Ramsey wouldn't do that!!!":naughty I am 32-years-old and not getting any younger and I am so sick and tired of being the failure that I am. I'm NOT asking to be the next Bill Gates or Donald Trump in the money department, but I sure don't want to spend the next 20+ years wondering how will I ever afford to feed my children. And I have no idea of what to do or where to turn. I am extremely frustrated right now about this. Is there any hope for me? What should I do? And please don't waste my time with sunday school answers like "pray about it", or "God will provide your needs", or "God will lead you to the right career choice", etc. I need real answers that will get me real results.