Hello Everyone,
I am a Special Education teacher. I have been teaching for 33 years. I pay my bills on time and usually, I am very fiscally responsible. I have an adult son who has a history of mental health and substance abuse issues. He had been sober for years and taking his medications as prescribed. He had a relapse in the summer of 2023. At that time, the responsibility of taking care of his family fell on me. He has a partner and 3 children. I ran up credit card debt and drained my savings to pay for all their living expenses and some of his rehab costs. He has been sober, on his medication, and working now since December. He will one day pay me back, but at the moment, everything he makes is going to re- establishing his life and finances. I still work full time and I still pay all my bills. The problem is I no longer have any savings to cover an emergency and I am deep in credit card debt. I am not asking for any help with any of my debt. I ran it up and I will pay it off. My car is in need of $3,753 worth of repairs. I cannot drive it. There is no public transportation in the small town I live in. I am relying on friends and co workers to get to and from work, but I cannot keep doing that. I cannot get a loan anywhere due to my low credit score and high debt to income ratio. I do not have any friends or family who could provide me with a loan. I am asking for $3,753 to cover the cost of my vehicle repairs. Thank your for your time and consideration.
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