Yea what sucks is if you do this, with no savings, and no logical way to save, you’re just digging yourself into a deeper hole. Like I said, I got lucky because we broke even in spite of the fact that we knew NOTHING about contracting at the time. My husband is still currently doing his contract with his last company and he is actually making more so we are bracing ourselves for it. It stinks that no one tells you, it took me filing taxes to find out. I would suggest going to them and asking them about the possibility of being hired on, if they say no you might want to consider looking elsewhere especially if you’re broke :/