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So, accustomed to a regular paycheck from gainful employment for the previous 28 years, I was now a start-up, spelling a whole new ballgame.

The bad news was that I had absolutely no idea how to find gainful employment.

The Education Department’s gainful employment rule targets college programs that leave graduates with high debt compared to their expected earnings.

"I ended up in another toxic, damaging relationship, lost hope of gainful employment and life got exponentially worse," she says.

His medical insurance is running out, and despite his goal of gainful employment, Truelove hopes to be approved for disability benefits.