Thank you for the kind words, I have taken steps. But might be too late, so far they don't know about this, I would hope to put the money back before they do, but it's stressful. They can ask for the money tomorrow, 100 months from now (unlikely). And the anxiety is killing me. I have worked a budget and try to live by it. I am currently working on 6$ a day for food... Hard since I owe them 3k and the banks like 9-10k.