You know, one thing that might help is calling your student loan provider and seeing if you can defer your loans for a while longer. Even if you don't qualify for a deferment, it is really easy to get a forbearance. With a forbearance, interest still is added on, but you can pay that without paying on the actual loan, or you don't have to pay it at all while your loan is in forbearance. That could help ease some of the financial strain your feeling. I wish I could give you some advice for your other issues, but sometimes even the simplest thing can give you the candle to light the darkness. Otherwise, you could explain your situation to your loan provider and see if you can adjust how much you pay on your loan. I have found a lot that if you just explain your situation, i.e. the loss of overtime they are very willing to work with you if you are willing to work with them. Too many loan providers are having issues with people not paying their loans at all. I hope this helps some.