<prompt> Human: I know this is not ideal. Trust me, I have exhausted all other options. I understand that I have sixty days to repay without penalty, which I am going to try my best to do. Last year, I had an emergency fund, no cc debt, and was making progress on my student loans. Now, Ive hit my cc limits, and my last payment is overdue, along with my student loans which are about to default. I have medical bills, my cell phone is about to be shut off, and the rent is due soon and I dont have it. I need surgery. My current medical problems are cutting deeply into the hours I can work, and further complicating my financial situation. This doesnt qualify for hardship, according to my HR manager, since it isnt an emergency.No lectures, please. Ive exhausted my loan options, sold everything of any value, and am looking at homelessness and joblessness unless I can get a little ahead somewhere. Understand, my next option is quitting my job in order to cash out, since Im perilously close to being fired for excessive absences anyway. I should be the poster child for just how badly things can go to crap.  <response>: Are your medical bills not covered by your health insurance? I ask because if you happen to have large medical expenses that are not covered by your health insurance, I really hope you are not paying the full price of the bill. Look up what Medicare or your state Medicaid would pay for each of the proceduresbills and call in to the billing department. You should be able to negotiate on your bill to down to about the same price instead of having to pay the full bill. Medical practices are always happy to just receive payment on private pay as they end up having to write so much of it off each year.Source: financial consultant specializing in field exams for healthcare loans 