Stace, thank you. I didn't know how to say it here without emotion. My parents know my cats are my very happiness. While that may not be healthy, they're all I have right now.

My mom has made it clear several times that they aren't welcome in their home...garage, bathroom, closet or not. Its not an option for them.

My debt isn't anything other than my car payment and utilities. I have 1 or 2 credit cards that I'm going to call and explain my situation. While I agree the credit counseling idea is a good one, I don't really think I'm a candidate for that. (a BIG thank you for all that suggested, offered links and sent me PMs...I really do appreciate your effort and ideas )

While I love my mom, living with her isn't healthy for me. I'm stressed out in her home and that's NOT good for my health. All my close friends who know her, tell me moving with her is NOT in my best interests. I don't wish to badmouth her...I love her and appreciate what she has done for me. But I honestly don't think I'd do well living with them. Especially sinse they know how much my cats mean to me and still wont budge for the short time I'd be there. (of course they'd be in my room ONLY, and would be cleanly like they are at my house)

That's why a loan is the only way to solve my problems. Does anyone know of a company that can help me??