There are enough inconsistencies and/or incoherencies in this

-tale-of-woe that I suspect some of it is fictional. Potentially more disturbing is this:
... as soon as I got to work, I learned I was getting laid off, (essentially, I'm a traveler) in 2 weeks.
If "I'm a traveler" means she's a travelling nurse, then she's the equivalent of a substitute teacher. Nothing wrong with that, but coupled with the inconsistencies and/or incoherencies, her being a nurse of any kind is scary.
On another tack, I guess her
OhBummer!Don'tCare plan was the kind with an insanely high deductible.