When we are chronically ill it is hard to work to provide for ourselves or our families. Sometimes we need to spend money to work with the appropriate medical professionals and pull ourselves out of illness. If this is the case I strongly recommend taking a personal loan from the bank, consider freelance work of any kind to earn extra cash, consider acquiring a HELOC (equity line of credit on your home). Debt free is the goal, but if we need to go into debt to get healthy, then these options may help you.