Ooh bummer sorry Sutherlynn. Hang in there! Think of it this way, as I am always trying to see the positive, you will be in less debt :)...as you will have more time to pay down bills. Hopefully, to the point where you won't have any other bills, expect essential living bills while in the program. Ideally, they say not to work in the last block, so this is my goal. Save, save, and save!