I agree with Marigold in one of her posts. The a lot of the messages I read here are people wanting handouts. I am a single father of 7 yo. twins. My bills are $3,200 a month. I can not make that on my own in this little town in the mid-west. I have enough for the next month or two. I would love for someone to give me a consolidation loan of $150,000 at todays rates, I would then be able to make it. But my farm house has a 74 modular home and Fanny Mae and Freddie Mac say no way. Has to be a 76. So my excelent credit doesn't help. I have been all over the net tring to find a way to barrow the money. After a few days I ran across the Gov. grants and loans site. Yes, it is FREE and posted on my Profile or Blog. But I did come across this site as well. Even though I am looking at loosing everything in about two months, I still wanted to help others if I can. Everyone needs to keep their chin up and keep pushing forward. If you are disabled, get disability and/or social security. I am helping a local guy by feeding him and giving him a little for gas from time to time, money that I do not have, until his disability comes through. So try to look at the positive side of every situation and try to stay positive. There are not real handouts. You have to work hard to make it work. And that is what I plan on doing and spending my evenings and weekends with my kids. I am all they have now since their mother will not have much to do with them and will not pay child support. I am not looking for a handout, I am looking for a solution that will help me keep my house and pickup through a loan. I believe in working for what you have.