Help Michelle out of her financial crisis

In 2020, Michelle lost her job. At the time, she was financially stable. She had credit card debt from helping a relative escape an abusive marriage, but it was manageable.

But then she was out of work for a year and a half, and had to break her 401K. She'd never owed taxes before, but now had to pay tax on the severance and the 401K, as well as the self-employment taxes from freelancing. During that time she had to pay for extensive vehicle repairs too.

Michelle trained in a new field and finally found a full-time job, but the pay is low. On top of that, she has been experiencing severe mental health challenges and chronic physical health problems that impact her ability to work.

She currently has over $35K in debt and less than $300 to her name. She can’t afford food, or gas to get to work, and she's overdue on rent. She didn't want to ask for help, but I am hoping that if enough of us pitch in, we can help her get ahead of this.

Thanks for taking the time, and for any help you can offer!