Hi.  I am a 26 year old with 37 credits completed towards a BS in Biology/Chemistry.  After deciding to return to school, I found that the financial liability was too much to handle.  I have been warned once of a possible foreclosure on my home, but luckily caught up on my payments.  As of 7/28/06, my bank has considered me to be in default on my car payment and, unless I learn something new tomorrow, I'm afraid that I will be losing my only means of transportation.  I dropped out of High School at the age of 17 and became heavily involved in drugs.  At the age of 20, I had a psychological breakdown that took nearly 2 years to recover from.  I have been diagnosed with depression, bi-polar disorder, and schizo-effective disorder.  Rather than use these things as an excuse to let my life go, they have helped motivate me to do more with my life.  As of right now, I am able to live without medication, own my own home, exercise 4 days a week and have kickboxing and Brazilian Jiu-Jitsu training 3 times a week.  It is starting to become very hard to stay focused on work or school with my financial burdens.  If anyone knows of any scholarships that are available to a person in my position, it would help me tremendously.  Also, I am ineligible for federal grants because I earned too much money last year, before I decided to go back to school.