I have been a single mother since my youngest son was 3 years old. I have worked to put myself through college including almost completing a masters degree. Money has always been tight and living paycheck to paycheck for us.
We have never qualified for financial help and never once asked for handouts. So this is extremely hard for me to do now. My student loans are over 100,000 dollars currently and in forbearance because of medical bills which have accumulated recently. Since 2015 I have been two automobile accidents in which I fractured my L3 vertebrae. No sooner had I began to recovered from this I fell down the stairs and re-injured my back along with an extra fracture to my tail bone.
I finally get completely healed from these three accidents and relocated back to Florida from working in Washington D.C and I break my ankle after donating blood. I lost conscientiousness after the donation when I stopped at a nearby convenience store to get something to drink. The ankle fracture was so bad I had to have surgery and both sides of the right ankle. I was laid up for three months working remotely. I had just started this job in April and the accident occurred in July 2018. Due to the type of work I am in my out of pocket deductible is high. Plus since I had not worked there that long I had not been able to build up my HSA account. To make matters worse, my insurance plan renews in October so I had to meet the deductible again in order to go through physical therapy. Since I was out of money at this point I did not get to go through professional PT. I still have quite a limp and it hurts a great deal if I try to spend a day at the mall or even a few hours.
Then this year in June, I am in a motorcycle accident and break my arm at the shoulder. It too required surgery. Again I am having to meet a 5600 dollar out of pocket deductible before insurance covers the expense. so in 4 years I have accumulated over 20,000 dollars in medical bills. Plus I was out of work for an extended period of time in 2017 and when I was working was not getting paid on time. between these events I maxed out my credit cards in order to keep afloat.
To the present day scenario, My youngest son is now 21 and wants to attend the National Aviation Academy. I am so proud of him for choosing to attend such a great school with such great opportunities. The catch, I make too much for him to qualify for pell grants and subsidized loans will only cover about 20% of the cost. Leaving me covering the rest either out of pocket at 1800 dollars a month or taking out a parent plus loan of $36,000.
Between my current medical bills, credit card bills, auto insurance, car payments, rent, groceries, utilities, and other normal living expenses as well as my own student loans, I have no money left to send my child to college.
If I do not ask for help from someone, my child is going to get left behind with no career or options to get a good paying job. If I felt I had made wrong decisions I could understand my debt problems, but in my case, things just sort of happen to me.
Thank you in advance for any help you can provide.