Two months ago, my parents were killed in a head-on collision on Route 47. One drunk driver. Two coffins. And suddenly, I was the legal guardian of my 16-year-old sister Abby, who was already enrolled in an early college program.

The tuition bill arrived three days after the funeral. $12,000. Due in two weeks.

I’d been working as a nurse at a local hospital, but that ended the week before the accident when my supervisor cornered me in the supply room and suggested we take a “personal weekend” together at some lakeside resort. Just the two of us.

When I turned him down, he made my life hell. Then he fired me for “performance issues.”