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Cut the bull.  85% of you "sales" people were "given" a hospital and your surgeons to "cover."  You don't sell shit. 


You set-up cases and have products available to the surgeons at your hospital(s). Maybe you have/had your own "coverage and tray running" monkey, or work in a team with some. Stop being delusion.  You're not "taking YOUR business to Stryker, SN and DePuy" competition.  Their "Sales Producers" in the field aren't "bringing THEIR orthopods to ZB" either, unless it's a full team, or distribution move.


Take the loans.  It's lower interest than you'll qualify for anywhere else, especially without a job and income.