I have not read all of the comment previous so forgive me if my opinions are redundant. I am not a financial advisor but I am a blue collar worker who married young and had a boat load of student debt and wondered if i could afford gas to get to work let alone buy a house. I may not say the most politically correct things here but I'm guessing thats not what you need now anyway.
The hard and honest truth boils down to this, you need to earn more and spend less. Easy to say I know but its possible. If you don't have a budget you should. This is critical. Name one successful company that operates well without one...... you can't because they don't exist.
There is an evil force out there and I call it the financial black hole. It sucks up all of your money and gives you nothing in return. The most sinister part is that you will never know it exists if you do not track every penny you spend. Once you do that you may find you are not nearly as frugal as you think you are. Are you honest with yourself in defining wants vs needs? Is your one car the most efficient you can find? Is it more expensive than it needs to be? Is your apartment nicer than it needs to be? If the questions don't cause a bit of pain then you aren't asking the right ones.
There are many ways to make more money. Figure out which one works for you and do it. I had a dream to collect certain valuable and hard to find items. The want drove me to learn everything I could about the subject. One day I thought to myself that others would pay me for my knowledge and I could use that money to start my collection. I did it and it worked. Im nobody special. Im a construction worker. You probably have many more skills and opportunities than I do and you can do this.
Now that the hard part is over, I don't see what your financial issues have to do with wholesaling. There are many ways to find leads. There is little to no money required to secure a contact. If you find a good deal the money will find you.
If you haven't tried maybe you can renegotiate your student loan terms. If they say no, keep bugging them until they say yes. Write emails, make calls and write letters. Don't give up. Don't limit yourself. Lots of people have gotten out of worse situations than you. You can do it too. Then you can make millions with books on how you did it.
As far as your home goes, maybe try a house hack. You might have to get creative with the financing but you know how. You've read a lot about it so use it. Your on BP. It's all here. Man up and make it happen.
