I have never done anything like this before. I am being crushed by financial stress, the resut of circumstance and some poor choices on my part. I am a teacher in my md-fifties. I am helping to take care of my recently divorced daughter and baby grandson. I got behind financially when my husband had a very serious heart attack two years ago and was out of work for an extended period. without disability insurance or mortgage protection. I am trying not to stress him with these issues, and I am just constantly robbing Peter to pay Paul. I got in trouble by taking out a payday loan and can not keep up with the interest -- I keep getting in deeper and deeper. I do not know where to turn, but this stress is ruining my life and my health. I am, I have always thought, a good person who has always been eager to help others. Before things got so bad I sent money regularly to Saint Jude Childrens' Hospital and other charities.

I just am at the end of my rope and need guidance. I pray constantly, but can not seem to find any answers.