You might be able to get forgiveness on your loan if you can prove you have a disability. I wouldn't get a loan because loans have to be paid back also. If you talk to the hospital maybe you can come up with a payment plan. I don't think as long as you pay them something every month they can legally send you to collections but don't quote me on that.

I am not too good at budgeting either but I always make sure I pay my bills first. Also if you have dollar trees in your area they have some pretty good food stuff and cleaning supplies.