Yeah we are toast on paper. The good news is God does not look at credit scores and he always provides.Not just needs sometimes wants too.What we need always kinda works out. A pharma program that pays for meds last second ( the greedy monsters occasionally throw us a bone) Something goes on sake or discount. Helps we aren’t materialistic but yeah going from stellar credit and the sacrifices we made to get there to horrible when you spent your life savings trying to save your child. That is a hard pill to swallow but it has taught me truly that God’s provision is trustworthy. I may no longer be welcome at the country club but the friends I have now are worth their weight in gold because they know I have only my heart to offer them. Those 80 hour work weeks to pay a corrupt system that is gonna take a lot more talks with Jesus to forgive the corrupt humans driving that bus but truly we have more connection now then before and that is something the best credit in the world can’t buy