You mentioned that you are on SSI, have you talked with your worker? You should really talk with your worker, lay it all down and ask for assistance. It's not that your money will increase, its that there are programs out there (at least here in Canada) but you cannot access them unless you are referred by a worker. If you are in BC Canada - sorry I didn't check your profile before I wrote this - contact me and I'll send a link to PovNet. It is an advocacy program and they have lots of information on there on how to hook up with an advocate.
Is there a chance that you could do room and board in exchange for house sitting? Or in exchange for caring for someone in the home? I was offered room and board to care for 2 young adults with muscular dystrophy but sadly I had to turn it down. They moved out of their parents home and housing didn't have the room for a boarder. They couldn't afford to pay me enough to keep me working full-time and live in my own home. It was unfortunate as they were great sisters. It's not common-place but it is out there.
Unfortunately obtaining $750 to keep the account open doesn't sound like something you'll be able to do. I take that the amount is what is needed to pull it out of overdraft. It might be something that you will just have to say "it bites but I lost it."
The confusing part is that you said there is direct deposit going there but its a closed account. How is it that you haven't already re-routed the direct deposit? It shouldn't have been able to access the account if its closed. Or am I missing something?
I'd suggest going down and really talking with your banker. Find out what options you have if you agree to transfer the direct deposit to an account that will not have overdraft. Mention that you need to access that money and realize that you owe them money - that could be the stickler part. You owe them money and if its deposited there, they have the right to claim it.
2 days is awfully short though, that's another stickler part. Is there any way to reroute the direct deposit?
In terms of college I had to leave early because I couldn't afford to pay for a longer program and I did qualify for loans - at that time. It bites but sometimes one has to make a hard decision and as hard as it is to hear, you can return later. Or is your getting SSI wrapped up in an agreement to attend college? Because of the SSI there should be bursaries that you can access to help off-set the college funds. Have you spoken with the college counsellor or financial worker? If not, that would be another step to explore.
Bottom line though I'd get in and talk first to my worker asap and then to the bank. Lay it on the line and allow them to help you sort it all out.
Wish I had better answers, hope things work out. Keep us posted.
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