I am a 31 year old adult living with mild autism and currently residing on the western edge of the Chicago metropolitan area, who without help will be homeless in a few months, I don’t have many friends or family who can help me. I feel ashamed asking for help of this magnitude, but I don’t have any other options. I work full time and I am struggling to get my debt paid off.
I was laid off my job in November 2014, around the same time my mom’s health started to rapidly deteriorate from sarcoidosis and a failing immune system. I made the decision to move back in to my parents place and take care of her. I did everything possible to make her feel comfortable as her disease progressed, including doctor and hospital visits, and medical care i could provide. My father at the time worked more than full time to pay the rest of the house bills and my mom’s medical bills.
To avoid defaulting on my student loans, I regularly took out cash advances and bypassing paying the high interest rates by repeating taking balance transfer offers from one credit card to another.
My mom sadly passed away in July 2016 at 56 years old waiting for a liver transplant.
I started to look for work again shortly after her passing. I made the decision to look for something in the restaurant industry. After completing a 12 week course to help get certifications and skills to work in a restaurant kitchen, I started to look for work.
Starting in late 2016 through 2017, I started to get sick regularly. Before I found work I was on medicaid, but after I got a job (which did not provide insurance) I was only able to afford mediocre insurance with a high deductible. I ended up going to immediate care every 8 weeks or so with painful throat infections and being forced to pay with my credit card to cover copays and out of pocket expenses.
I did land a decent job in March 2017 as a cook in a chain restaurant and I do enjoy what I do.
I did get decent health insurance in January 2018 and got my health issues resolved after getting surgery. I had to pay my high deductible and maximum out of pocket and copays with credit cards, but I am healthy again.
After all of this, I accumulated $36,000 in debt. I can only manage to pay a little above the minimum payment. This is on top of my $7,000 of student loan debt I have left to pay off
My father was nice enough to have me live him, but he has recently foreclosed on his home and is moving in with his girlfriend in the near future. I will be homeless in a few months and I can’t even save enough money for an apartment rent or security deposit..
I know I can and will succeed once I get this debt off my shoulders, but I need your help. Please donate and share with your friends.