Omg, 50%? Can you get SSDI? Or apply. That alone should qualify you. Hope you get an opportunity to have some type of relief. The waiting game is awful. I am thankful I have 1 person to rely on. He has been wonderful. When I met him, he had some financial issues and I helped him then for two years. We are a team. I will have to file for bankruptcy though. He can only do so much. I had perfect credit as well. Now it’s 455. I didn’t think it even went that low. Can’t get blood out of a turnip, my grandmother used to say. She paid everything in cash. Owned home outright. Didn’t want to owe anyone!!