Check out whether you can get a medical waiver of the 10% penalty on your retirement $$ if you have any medical bills.
And not to be harsh, but does your daughter REALLY need to be in a sorority when you can't pay your rent?
And I should have added - I'm sorry things are so difficult right now - I'm sure they will get better. Even using my PhD to leverage law school, I didn't pay off my student loans from 4 years of college, 8 years of PhD and 4 years of law school until we sold our house last fall - at age 63.
