I totally hear you dude. It's not just you. At one time, I was so broke that I had to cash advance from my credit card to pay the rent. When I finished my undergrad and grad schools I had around $20000 in debt. But I did earn a lot of money also by working superhard during the summers. So work hard and make the best out of this situation. It will all be fine in the end.. As Neupane mentioned, your situation is better than others considering the fact that you only have a year to go. :D