We struggled financially, too, once I lost my job. I was working as a financial analyst for a big pharmaceutical company, and I made a nice salary. Heck, I’d gotten a $20k raise one year! We lost our house and had to move into a rental half the size. We had to find a new home for our kitty because our landlords didn’t allow cats, but we needed the place because they were the only ones that would accept our credit (with a foreclosure) and dogs in the price range we needed while still being in a decent neighborhood. We had our electric cut off twice while we lived in the rental (we’re still here), and our church paid $1200 in past due bills to get it turned back on for us. We made too much to qualify for food stamps, but we didn’t make enough to pay our bills.
I hadn’t qualified for disability yet, but I needed back and knee surgery and so many meds it was crazy. We have good insurance, but it still costs us money. It was a bad place to be. I gave up the first time I applied for disability because we were in such a tough spot. I went back to work as an executive assistant. I worked for a whopping five months before my migraines, back, and hallucinations combined into one crippling ball of “I can’t come in to work anymore”. I applied for disability again, was denied, got a lawyer, and got approved after that. My education was also an issue. I was “too smart”. It can be overcome, though, if it can be shown that you cannot function in a reasonable position given your disability.
Your education level and job skills may give you more opportunities, but if your medical records can support the idea that your condition prevents you from working a position for which you are qualified- no matter how smart or educated you are- then you have a chance to be approved. A good lawyer will make all the difference if you are denied initially. Don’t give up.