best of luck mate. similar thing happened to friend of mine, kind of worst case scenario but it could come to it. he had a really nice civic vti, it came to the point he was too stuck and he bit the bullet and sold the car, used the cash to rent a place. hes now back on his feet, still at college and part time working. he managed to buy a little fiesta and then managed to upgrade a while after to a nice wee vtr. he is currently looking to get another vti or glanza. things like this can happen, just keep your chin up and do what has to be done, if that means selling the GT buddy u may have to