december_solstice

A few weeks ago, my grandmother had a stroke and her health has been steadily declining. If it weren’t for her, I’d still be homeless. She helped me foot the bill for 6-months of security deposit on an apartment. Now, her health is a big concern and she’s pretty much near the end of her life. My mother (her child) pretty much got on a plane and left, without saying anything to anyone, and has be ignoring me since I became homeless. Needless to say, she doesn’t want anything to do with my grandmother, and so now, the burden of sorting out her life insurance, health insurance, finances, medical care, end-of-life care (home nurse, hospice, nursing home, probably funeral services etc.) falls upon me. I’ve been trying desperately to get a small loan to travel back home, get things in order, and stay with her for a little bit (I’m in NY right now, from HI), and it’s been impossible. I accumulated debt in housing court before I became homeless. My credit is terrible, and I don’t make enough money for any kind of leverage on a loan. My question is, does anyone have any kind of suggestions as to where I should look, or how I can increase my chances on a loan? At this point, I’m pretty much racing against the clock. I applied with 2 banks. First time with a cosigner. Second time, a friend with good credit still got denied. She actually needs a cosigner herself. I looked into HRA’s One Shot Deal - no luck. This is all new and unexpected. There is a lot of emotional pain, a lot of stress and anxiety. To the point that I can’t even preform at my job as well as I usually can. Life is so unforgiving, but I’m doing my best to roll with the punches, but that doesn’t mean I can figure it all out by myself. I need to make magic happen, and I haven’t a clue how I’m going to do it. If anyone knows a solution that I’m not thinking of, please, any advice would be welcomed and appreciated!