I Am Not Happy With My Life As It Is

There are a lot of things I wish I could change, but all involve having money, and I don't have much. I have a bachelors degree and nothing to show for it because I can't find a job in my major, or anything close to it. On top of that, it's a Music concentration degree because I wasn't good enough to be a performance major (I would have had to go back and get a masters degree when I'm already $40,000 in student loan debt) so the only option anyone can ever point me towards is teaching, which I haven't the patience for... And to add the cherry on top, I'm drowning in debt, and I'll be 40 in 3 1/2 years.