Hi Tech,
It sounds like you are having a tough time and have some good reasons to be feeling unsettled. You're not alone, use the site the people are lovely and have all gone though their own ups and downs and will understand how you feel, more than you may think.
It's tough trying to hold everything together and scary to feel like you have debts, especially when you'd prefer to be planning a retirement phase in your life. It's great that you have had some medical help and that your children are both working.
Just take this one a chunk at a time, there will be a solution. A financial counsellor / social worker should be able to help you make some sense of your options. There are a lot of government and council resources out there do make use of them. Tony suggested a way to come to a reasonable figure for your young workers to help pay their way.
How long is it since all the changes in your life happened, i.e. becoming a sole parent, the divorce and the loan?
I hope the shaking is easing. Don't forget to breathe. I like to breathe really slowly and count when I am stressing... in 1,2,3,4, and out 1,2,3,4 it helps me to stop hyperventilating.
Internet hugs.
