Hey, about the student loans, you should be able to apply for an unemployment or hardship deferment, its extremely easy and they usually give it to you within a few days, if you have a late fee or anything already, they usually even take that off. Student loan people are genuinely extremely easy to deal with (as opposed to most other credit type people). I actually can do all my student loan stuff online and never even have to talk to human beings (yeah for me! I don't do well talking on the phone.)

I am sorry we've gotten you feeling down about the relationship. I promise, we are only looking at your situation from the outside and honestly saying what we think would be best for you. No one here would ever try to add to your pain. I hope things keep going better for you. And don't forget to get the hardship/unemployment deferment.