Wow, what a bunch of challenges. Kudos to you for hanging in there so far. I’m not sure what to suggest because it seems like you have been working so hard on all of the options. I wonder if you have an advisor or Dean of students that you can go to and share your story with to help you organize your next steps as well as sorting out how to deal with your loans. There must be someone that can listen and help you outline how to finish what you have started in good standing, guide you as to whether or not transferring or taking a break would be the best course of action, and what to do about handling your loans so that you maintain a good financial history while you work this all out. I’m sorry for your loss of your mom in the middle of everything.