You suffer from crippling debt you cant pay back and you begin a loop of trying to get a job but becouse you have so much stress an no money you dont interview well (if you are lucky to get one) and then when you dont get a job it just keeps getting worse.
If you are lucky you have friends and family that will take you in and help you out other wise you become that homeless dude that knows more about physics then just about any one alive.