6. Don't despair, and keep trying: Rhiannon worked hard, earned good grades, and applied for lots of scholarships. In the meantime, Congress passed legislation making it a little easier for parents with mortgage trouble to get educational loans. And Jackie found affordable housing for her family and started working herself out of her financial hole. "Sometimes it seems like things are never going to get better. But, slowly but surely, they do," Jackie Steffen says.