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You are reading a translation of this question from the original language: Ukrainian
Question by: Nickname_33ff8 Age: 20

I can't bring myself to study and have accumulated major university debts

I'm a fourth-year student. By the end of my third year, I had six academic debts, and now in my fourth year, new courses have already started. The problem is that for several months now, I’ve barely been able to force myself to start doing anything: I open lab assignments or practical exercises, see the workload, and kind of freeze up. I often put off even simple tasks, even though I understand the consequences and feel really anxious about it.

This hasn’t just happened with school— I wanted to start going to the gym, learning English, playing guitar more often, but I also barely start any of it. At the same time, I’m not indifferent to everything else; I hang out with friends, have interests, and want to get back to a normal life and studying like I did in my first or second year.

Because of the debts, I feel intense shame, anxiety, and fear toward my professors and the university. I’m afraid they might expel me. Sometimes it’s even hard to log into an online class or go to campus. My sleep has also been really disrupted.

I don’t know if this is severe procrastination, anxiety, burnout, or something else. I’d like to understand what’s going on with me and how to gradually regain the ability to start tasks.
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Psychologists’ answers

Viktoriia Nosenko — psychologist
Viktoriia Nosenko psychologist
Київ ·
Hello. It sounds like you’re caught in a vicious cycle of anxiety and avoidance: you see the volume of debt, feel scared, put it off, feel guilty, and then find it even harder to start the next time. This isn’t necessarily laziness or a lack of discipline.

Could this be ADHD? Yes, especially if difficulties with attention, organization, and starting tasks have been present since childhood. If these issues appeared recently, it’s also worth checking for anxiety, exhaustion, or depressive symptoms. Based on your description, a diagnosis cannot be made.

What to do now:
1. Choose one small task and work on it for just 10 minutes. Your goal isn’t to finish it but to overcome the barrier to starting.

2. Break tasks down into the smallest possible action: not “pay off debt” but “open the file and read the first task.”

3. Email your instructor to clarify which debts to prioritize first. A concrete plan reduces uncertainty.

4. Reach out to a psychologist or psychiatrist to assess possible ADHD or other causes of long-term difficulties, especially if sleep is disrupted.

Most importantly: don’t wait for motivation to return. Often, motivation appears only after you’ve already started. Right now, you don’t need to catch up on your entire life in one day—just gradually regain the sense that you can influence your own life.
Svitlana Matyukha — psychologist
Svitlana Matyukha psychologist
м Кременчук ·
Hello!

I suspect you’ve fallen into a vicious cycle: the more academic debts pile up, the stronger your anxiety and fear of not coping become. This makes it harder to start working, you keep putting tasks off, and the debts grow even larger.

If the difficulties aren’t limited to studying but also affect other areas of your life, pay attention to your sleep, energy levels, mood, and focus. It’s not necessarily just about procrastination. I recommend seeing your family doctor and discussing whether a general blood test, ferritin level check, TSH, or other tests based on your symptoms might be needed.

When did you first notice these changes? What was happening in your life at that time?

Also, try to honestly ask yourself what you want from your life and where you’re headed. This can help clarify your goals and distinguish your own desires from expectations and fears.
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