student loan and credit card debt is giving me depression..

i am in college with foolish debt between credit cards and student loans at about 100,000 and still have 2 years left. the future is scaring me! what are some ways i will be able to handle the payback, will i be able to handle it? i am not doing this again, i am done spending money. mark my words.it is too late to transfer schools (as most schools won't accept my school's credits). I took the stupid chase student loans out which give you extra money for room and board and computers and all that and took waaay too much money out and spent it.