<human>: Short version: I'm Canadian & in the Environmental Science program, this is my fifth year in university, I have 18k in student loans, I estimate I'll finish by about summer/fall 2015. That's five to six semesters, 25-30k more in student loans. Is it worth it?

Long version: I spent first year dicking around. Second year I entered Biology, still took a bunch of random classes so that slowed my progress. Also failed a lot of classes - basically I suck at physics, chemistry, and math and don't have the study skills to pass. Retook most, now I only have 1 chem and 1 math to do.

Third year I moved out & started taking out loans.

Fourth year (this past summer) I flunked out of my organic chem class, decided to switch to Environmental Science. Thought I would do a Biology minor since it's only 15 more credits. I'm passionate about the environment, also didn't want to do more organic chemistry or molecular biology & biochemistry.

This year I sat down and looked at my program planner. I have 18 more classes, plus four biology classes if I want to do a bio minor. I can do four per semester max. I should add that my GPA is nothing spectacular (obviously) and I have some volunteer experience but no relevant work experience in my field.

These are my options:

- Stay in school, graduate with a BSc, along with 50k in debt.

- Stay in school, graduate with a BSc and a Bio minor, add maybe 5-10k to that debt.

- Drop out of school, do who the fuck knows what. (I have contingency plans but none of them are career-making. Pursue art or writing, or try to find a job in habitat restoration/something similar.)

Could you distill the essence of the text into 1-3 sentences?
<bot>: Spending too long in school, racking up debt, terrified about graduating at 25 with 50k hanging over my head. Help ):