Hello, I'm 54 years old and lost my husband to cancer several years ago. Due to hospital bills, after his passing there wasn't much insurance money left. After a couple of years (with two teenage sons) I had to either sell the house or lose it to foreclosure, I sold it but didn't gain anything with the sale. Since that time I've continued struggling. There has been no great event that has put me in financial hardship, it's been a like a snowball rolling downhill and piling up at the bottom. I do work and actually have a pretty good job, however due to old issues I can never get above water. I owe the IRS (I did not contribute enough because I needed all I could get) - I owe student loans and have really bad credit due to being unable to pay other loans because of robbing Peter to pay Paul. I try to pay as much as possible and then don't have any food money. I know there are people out there that have had catostrophic happenings in their lives that would make my problems seem small but they don't seem small to me. All I want is to be debt free and be able to put a little away for when I can't work anymore, if anyone could help, even a little I greatly appreciate it and if I am ever in a position will 'pay it forward' to someone else.