I have a graduate degree in Humanities,  but I'm working at a low end $11 hr job that has no benefit package.  Rent is $1300, my wife and I are barely making enough for rent. No one wants to hire me I have no experience in anything else except the things I like to do which requires a master's. 

I need heart surgery next month and a few months after we'll probably be homeless because it's going to put us in debt.  I'm scared and don't know what to do.