im starting over yet again and need help with pass debt. im unemployed and unsure of my future. i was a single mother for many years with 3 daughters. i worked hard and bearly got by with no financial help from the kids dad. i have debt that is very little credit card but more medical (no insurence) educational loan is the most and a few outstanding utility bills. any help would be appreciated. i want to get my contractors license and become a small business, and i know the first step to this is to clear up debt.