I have a family of 4. This year my daughter and my son both had to have different kinds of surgeries. This year we also had to take out of Helic Loan to pay off some debt and now have a our original Mortgage payment plus a second loan mortgage as well. My husband works two jobs plus does some side work, and I work part time and we still can’t make ends meet. I try to give back to the community and give to non profit organizations when I can. We have been leaving off personal loans and cash advances paying off other debt. So we are using debt to pay off debt. We are trying to stay away from bankruptcy and have applied to be in a debt relief program but will take 3-4 years to pay off the debt and will just kill our credit until we can get it back up. Our debt to income ratio is high so we can’t get a debt consolidation loan to pay off this debt with a smaller APR. Just asking for a loan to help us get out of some of this so we are drowning and can start to put money in savings, emergency fund, and do not have this second mortgage on our shoulders. Get out of this medical debt and can breathe. Appreciate anything that will help. Thank you so much for taking the time to read my message.