Is there a way you can talk to the school and your professors and see if they will give you an incomplete due to the medical problem? I have done that in the past... I actually failed a class in 2001 and in 2003 talked to the professor and explained that I had shoulder surgery and was forced to miss classes so he approved a grade change from an F to an I and then I had to retake the class (which was free since I was completing an incomplete grade). All I had to show was documentation. This would at least take care of retaking these classes you failed when you were ill and in the hospital. Maybe you could then afford the remaining 2 classes or whatever. The other thought would be to speak with someone from the ADA (www.ada.gov) and see what they have on there... there's a whole tab for education. You may need to get your doc to fill out papers or what-not so I'm not sure about that. I would definitely talk to my professors though and see if they will work with you on giving you an I instead of failing you for those courses. Good luck with this. It's all a frustrating process.