I know this seems harsh, but Robert W has the only correct answer here.. . Get your credit improved, get your debt done with, get yourself a little cushion, then get yourself a loan for your house. . . Get a second, and third jobs. Planning for the future should NOT entail looking for this year's government hand-out, followed by next year's, followed by next year's. You'll train your kids up to do it too.. . Clint Eastwood had a great line in The Outlaw, Josie Wales.... "When it looks real bad, like you're not gonna make it... You gotta get mean, just mad-dog mean, 'cause if you give up, you don't win and you don't live." . . Tonight, get down on your knees and tell God that you're going to do all you can for your family, but that you need His help. Tell Him that you will not give up. You will not quit. Tell Him that you're going to be calling on Him for strength every day now, and you're expecting Him to be there. Tell Him that you've got kids counting on you. So you're counting on Him. Tell Him you're not going to let go of Him until He gives you what you need.