I really empathize and feel bad for your past obstacles but I am also very hopeful for you and your family. It sounds like you have just about everything in place, you just need a little guidance from someone who is honest and knowledgeable, and maybe a little more time. Depending on some unknown variables there may be programs out there that are ideal for you, at no financial cost. I have had other clients take advantage of them and were, and still are, very happy. Call me and I will try to help you do whatever it is that is best for you and your family in the long term.