I have always been a hardworking person, but I am at a place in my life where I’m not ashamed to admit that I desperately need some help. I have my bachelor’s degree, which required the burden of expensive loans. I then went back to school to become a licensed physical therapist assistant, which required more loans. I loved treating my patients and doing something good in my community. I was expecting to be able to work full-time and pay off my debts. However, I am a Lupus patient and my health has taken a turn for the worse this year. I am currently out of work because my job has become too physically and mentally taxing on me. I have been on medical leave for four months. I am planning on returning to work out of necessity, but have been medically advised to return part-time only. In addition to regular living expenses, I have 7 student loans, 2 hospital bills, and 5 credit card balances. I drive an old car that I have had to repair numerous times, including getting the transmission rebuilt. Hence, the large credit card balances. I have to be on 10 prescription medications just to be able to function. I live frugally and in a modest apartment. I have 2 dogs and a cat who are the loves of my life and deserve the world. I had to postpone annual check ups for 2 of my animals simply because the money is not there. I would be grateful for any assistance I could possibly receive, whether help with rent, paying for my expensive medications/treatments, paying off debt, providing for my pets, anything. Anything to help me stay afloat until I can earn some income again or figure out a plan. I literally have nowhere else to turn. This year has been one of the most difficult of my life. I have hit rock bottom. That being said, I am determined not to give up, but to keep putting one foot in front of the other. I am drowning in over $50,000 of debt and my credit is tanking. I have no idea how I’m going to pay off all of this debt, but I’m not giving up. I’m tenacious and I believe in staying positive. Everyone has challenges to overcome. This year has just been my year of challenges. I’ve trained in karate for 3 and half years and this has helped teach me to never give up. My parents have also made a lot of sacrifices for me. My mom, who is 71 years old, is still working full time because my dad is on disability. I have always had a heart for people and have dreamed of being debt free so I could be in a position to help others. I realize this may never happen and that there are other ways to help. I try to give my time, talents, love and kindness whenever possible.I believe in trying to stay positive and I believe if we put goodness into the world, that good things will come back to us. Even if I face bankruptcy, I will not lose sight of this. I promise to try to be worthy of any financial gift I receive, as it will be a blessing and an honor. I thank you for reading my story and considering me and am grateful for ANY help I may receive.