DEAR ABBY: I’ll soon be 40, and I still have no idea what I want to be when I “grow up.” I don’t know what I’m interested in doing or what my skills are. It’s not for lack of trying. I’ve taken aptitude tests, IQ tests and personality tests, and I’m still no closer to any answers. I do not know how to choose a job and just go for it. This may be why I never graduated from college — I kept switching majors.

I live with a family member and owe $25,000 in college loans. I can’t afford a car and the financial stress is killing me, not to mention the emotional and mental stress and low self-esteem. I need help. I should have had all this figured out ages ago. Any good, solid advice would be appreciated. — LOST IN THE MIDWEST

DEAR LOST: Go online to see if you qualify to have any part of your student loan debt forgiven. It may be possible if you have been making payments for many years. As to your inability to choose a career, at this point, finding any job for which you are qualified that will pay enough to put food on the table and a roof over your head would be appropriate.

If there’s low-cost psychological counseling from your county’s department of mental health services or a local college or university, it could be helpful in getting you unblocked and to lift your self-esteem, so it couldn’t hurt to reach out for that, too. Inertia is your enemy.

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Dear Abby is written by Abigail Van Buren, also known as Jeanne Phillips, and was founded by her mother, Pauline Phillips. Contact Dear Abby at www.DearAbby.com or P.O. Box 69440, Los Angeles, CA 90069.