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Madre- I am in agreement with others here.  YOU have to take care of your financial situation first. Let your daughter know what is up and they will probably have to secure another car. Don;t move in with son, that will be a total nightmare as he will have emotional control over you- as it's his place, his rules, etc.


File bankruptcy, talk to the attorney about ways to keep your car at least so you can work.  Student loans can't be filed, but if you can reduce other debt via bankruptcy, that should take lot pressure off of you.  Go talk to social services in your area and find out what you would qualify for.  Do you have any siblings that could help you at all? 


Do you have any 401ks that you could borrow from to take of debt? 


I do think you have to have boundaries with your children- your whole life has been raising them.  They have grown wings and want some freedom to live their life, their choices, etc.


You have to step back and let them fly- time to take care of you Madre.


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