Lol I read the whole thing. It really isn't that much if you don't have a short attention span and can handle the amount of text that you'd find on 2-4 pages in the average book.
Anywho, that does sound difficult but that's life for you. Full of crap, loads of work, and struggling. You know, a loan does sound pretty good. However, I'm not sure if a car is the right thing to use it on. I suppose, in the end it'll be worth it... since you won't need to rely on public transportation (which you don't seem too fond of).
But maybe the loan could be used for your rent, and things that you "need".
Also, it's cool that FPOD and have something going. Haha, who knew Fakku could bring users together and make something like that happen. I hope it works out, for the both oyou f you.
But putting that aside, again, that's life for you. It's gonna be hard. But don't quit. Keep going. It's a struggle..( the whole money situation )and I get it. Sometimes I wish that it was easier to make a living and everyone had enough money to support themselves. Unfortunately that's not the case.
But yeah, try to relax a bit... make the choices that will help you best and maybe, if you and FPOD plan things right, you can cover the cost of living, cover transportation and even finish off college and pursue a career as a chiropractor. Lmao, but wow.. that doesn't seem like a easy career. Best of luck.