Stop talking, start working. That is the only advice that we can give and would be useful. Face it. There is no easy or short way how to solve problem you have created for yourself. Try to find two jobs, it will stop you from thinking about gambling and probably make you forgive idea to gamble with first salary and try to decrease 45k debt faster (and I feel like you had such kind of ideas). Just be a man, clench your fists and start earning money by labour.