Assuming the OP is still around, as someone familiar with the product design industry I have some constructive advice.
Based on your description, I'm assuming your PD degree is in the Industrial Design arena. If not, skip to the next post. ; ) While I'm a mechanical engineer, I've worked in PD with designers my entire career and know the industry well. I'd also guess that you have a masters in PD based on the debt load (I know a few others with 6-figure debt that started in fine art and moved to PD in grad school), but a that's neither here nor there. Your primary goal is to get a job.
The thing with PD is that it's a fickle field concentrated in a few major cities, and frankly Philly isn't one of them. So to expand your options, you need to look in the PD hotbeds of Silicon Valley, Chicago, Boston, New York, and (to a lesser extent) Austin. There are simply far more jobs in these places than anywhere else in your field. So get on Core77 to research design firms & Coroflot to browse job listings, and be willing to move if you have to. Your German fluency also struck a chord, as there are a few companies with offices in Germany that may particularly value this. So use that to your advantage. And with the woodworking skills, you may even look at model shops or manufacturing companies -- my wife works at a 3D printing company where they hire art majors (sculptors) to do hand finishing work.
I'd also recommend applying for internships. Even if they don't pay that well, they're highly looked at in the design field by hiring managers and will both pad your resume and also help get your foot in the door. Make sure you stay on top of CAD software -- especially Solidworks and/or Alias. These days, if you're not fluent in surfacing, you're at a major disadvantage. And of course, always keep improving your portfolio and sketching skills wherever possible.
Hope that helps. The debt sucks, but what's done is done. Getting a real PD job will go a long way to getting you on your feet.