recovery is about learning to live Life on Life's Terms. As it comes, One Day At A Time.
one of my fave sayings is: There are no problems, only resistance to the solutions.
Bankruptcy isn't the end of the world. And there are many steps you can take prior to making that decision. Get to know your finances....intimately. Build a budget, examine ALL expenses, develop a plan.
while it is WONDERFUL that you son was accepted to such nice schools, reality says that might not be feasible if he does not have financial aid. if you can't afford it, you CAN'T AFFORD IT. however there are many avenues to pursue before making that determination.
you probably need to speak to your supervisor or perhaps even HR about your workload and your health.
notice that drinking wasn't a part of any of those suggestions.