Depressive thoughts can be scary - all by themselves, and doubly so when you are facing financial problems. I'm in a similar boat and used to be a social worker before they carted me off to the psych ward and now I can do nothing. You got some excellent advice above. You should qualify for food stamps, help with rent [HUD], and possibly Medicaid as well as Medicare. Throw everything you got at the problem, and it'll work~! Caring About You, Friend ~ billieJ