wow your student loans are huge in America. In England we only have about £12k when we finish. Don’t you want a career that makes use of the course which you paid this huge amount of money for?
I believe that at individual controls their own fate and since you are on here asking for advice clearly you do too! Good. That puts you in the position of power to establish a route forward, although practically this may result in having to earn the money yourself rather than a miracle gift.
Best of luck,