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I it is important when getting a life insurance quote that you always consolidate student loan beacause otherwhys you won't get very cheap auto insurance and so you'll waste money and won't be able to afford conference calling. So you'll have to refinance your home (which comes under the more general bracket of refinancing), but fortunatly you might be able to save some money elsewhere, for example with online car insurance. Hopefully you won't get a mesothelioma because if you do you'll need a structured settlement with the help of a vioxx attorney. If life gets really bad you could try drug rehab, writing contract management software in your free time and training to be a car accident lawyer.