morethingswrong! That is very stressful. I've been in similar boat and frame of mind and it is hard not to flip out over(!) (I got a Cobra letter like that once (from ex's insurance), double that amount, laughed sardonically and threw it in the garbage, as what they were asking was more than what I usually make, nevermind being unemployed at the time...) Worked out eventually though, w/o going off meds. I hope your T (and PC) can help you get some good ideas -- they can be very hard to see in such a state. But there are some. Please keep us posted in working through this, ok?