Okay, this is quite hard to explain properly, but I'm actually scared of my personal future.

In about a year, I finish school and I don't have a straight plan of what to do next. I want to work independently, preferably as a game dev, but I imagine that to be a hard task. I have thought of doing a bachelor's degree in game development, but the university I prefer to go to costs 20k€, which is a huge sum and I don't even know whether it would be actually worth it. The university states that 20% of all their graduated students work independently afterwards and they even offer you a flexible "loan" (not sure if it's the right term) you can pay off while you start working, but I fear I won't be able to pay it back, I cannot imagine making this much money any time soon after I start working independently as game dev. Additionally I fear I won't be able to keep my motivation up, since I struggle doing so already, on the other hand my lack of motivation could be caused by this toxic environment I live in.

I've also considered doing freelancing, but when I'm scrolling through the requests made, I never find something I am experienced in, I don't know what request is best to get started with freelancing.

I just don't know what to do in the future and I'm scared and considering to go to this university is probably pretty stupid already and I consider it as me ranting myself, because of my nonexisting self-esteem. So I don't know what to expect from this post, I just needed to share.