Okay, so you’ve dropped out. That’s cool, as it seemed obvious to many of us that that’s exactly what you needed to do. And **Anne Neville ** is right–it is most certainly not the end of the world (not even close), and things could’ve ended up being worse (and thank goodness that you didn’t take it there).
Now that you have that monkey off your back (well, kinda, 'cause you’re still going to have to deal with whatever the consequences might be, e.g., repaying the loans after your grace period ends), allow me to encourage you, in the strongest terms possible, to get some help.
ISTM that the procrastination and laziness, in addition to the other stuff you’ve mentioned, are symptoms of depression (they’ve certainly been part and parcel of my own depression), and it’s *not * going to go away just because you quit school, don’t update your insurance, etc. Really, it won’t.
I assume that you want to live the best life that you possibly can. I don’t know what the looks like for you, and I wouldn’t be surprised if you don’t, either, but I assure you that you won’t get even close to the “best life for you” unless you seek some help. And you’ll really want to do that soon, because the time *will * come (perhaps sooner than you think) when whatever is going on with you will manifest itself in MUCH bigger ways than simply dropping out of school or failing to update your auto insurance.
Are you part of your school’s health plan for students? If so, I urge you to visit your school’s counseling and psychological office and talk to someone. If, for some reason, you’re unable to do that, then go to some outside counseling service (many offer payment on a sliding scale basis if money’s a problem). I know that you’re “lazy” and a “procastinator,” but at least get up the energy and motivation to allow someone to do some kind of intake interview with you.
Even as I write this, I know that you won’t seek help until things get bad enough, *in your view * ('cause it’s bad enough in mine–remember the whole slashing yourself business?), for you to do it. Part of me hopes, of course, that things don’t get worse for you, but another part of me hopes that they do, and rather soon, if only because that might spur you to seek the help that you very clearly need.
Look, I hate to sound like I’m preaching, but take it from just one of the members of this board who battles with depression: it ain’t fun, but it’s so much better when you have someone to help you. And, yeah, it *really * does get better.
And I hope you can realize that sooner rather than later. Good luck.