It is very hard to put payments out every month for a house...especially when you don't have a partner that helps you out. Can you rent out one of your rooms to anyone? That would bring in extra money. Remember that you have done your best and you are not failing. Things are always replaceable... but you are not... please take care of yourself. If the bank takes the house, that will be one less anchor around your neck. I would go and rent a room in someone's house. I have done that before and it felt great. No more worries about a house and all I have to do is pay for a room in someones house. Takes all the anxiety away. I do hope this helps. Please also look into any state aid that you can get. Hugs and blessings xx