I would like to thank all of you who take the time to read this. I have never needed to resort to this before, but I am running out places to look for help, and I’m not sure what else to do, so I am humbled to be here and speak to you.
I have fallen behind on a lot of financial responsibilities; keeping up with rent, student loan payments, credit card payments, my car, standard bills, etc. and I need help at this point to stay on track.
I’ll do my best to give you the best short version of the story I can offer, as not to be long winded. I was diagnosed with Ulcerative Colitis back in 2016. My twin brother was diagnosed back in 2009. Since my brothers’ diagnosis, he has developed several other medical issues that have left him unable to work, so he lives here with me on disability. I am in much better shape than he is with my UC, and I have been blessed so far to keep my ability to work. Because of this, I bring in the majority of the money between the two of us, so I cover anything I can manage. Our rent is $1,200 per month and we’re also responsible for electric on top; about $200-250 per month, depending on the weather. I pay $800 of the $1,200 in rent, $183.86 per month for a student loan payment on almost $5,000 of remaining debt, just over $500 per month in credit card payments, about $100 per month for my car insurance, groceries, etc.
These past few years have been tight, especially this past year. I started to get sick more frequently. I ended up in the hospital for a month back in September of last year, and was out a lot of pay from not working. I went from being 1/3 diseased “left-sided colitis” to 100% diseased “pancolitis” we found out on that stay at the hospital. My treatment was no longer working, and we decided to look into a new treatment. I started building up credit card debt to keep up after getting out of the hospital. My insurance covered what they could from that stay, but I’m still looking at over $16,000 in medical expenses that I’m responsible for.
Things were really bad for me financially for the rest of 2018, and this year has proven to be the year of the snowball effect. I began a treatment called Remicade for my UC, as I’m no longer responding to previous treatment. I have just begun my full dosage after my “warm up” dosages that started back in January. Although Remicade is about $10,000 per infusion, I only have to pay about $200 after they signed me up to a special financial program. I have continued to build up credit card debt, amounting to just shy of $8,000. I ended up back in the hospital for one week in January, and again for two weeks in March, and I just got back out of the hospital again this past week on the 23rd. I started seeing a rheumatologist for severe pain that I’ve been developing, which looks like something new developing, and the bills keep piling up. I can feel the pressure just rising and rising day by day. Just thinking about how many things there are to take care of is so overwhelming, I just want to curl up in a ball and turn everything off. I can’t get ahead. I went to take out a loan today to consolidate some of the credit card debt and make it easier to pay. I couldn’t even get a loan because my utilization is too high. They offered to look into an option for a secured loan where they would hold my car as collateral, but I drive a 2002 Hyundai, which they weren’t interested in holding as collateral, so I was denied my loan.
My goal is to pay off the credit cards first. Just knocking those out would save me over $500 per month to put towards other debt. I would then take care of my student loan debt, which is about another $200 per month that can be focused elsewhere. Just those alone would provide tremendous relief!
At this point, I am desperate for anything. It doesn’t matter what amount it is. I am grateful for anything anyone can do, and I want to thank you all a million times over for even taking the time to read this. I’ve simply fallen way too far behind, and I can’t bail myself out faster than the water is pouring in at this point. I love my brother, I care about his health more than anything, and I need to continue to support him, and keep our living situation stable. Thank you so much, and all the love in the world to you.