Hey, are we the same person? 🙂 I had to move my husband and my cats because OHSU rejected me, too. My husband also assured me that it would work out. I'm sorry it didn't work out for you, too. 🙁
If you think about the numbers too much, it will just wear you down. It is depressing because we'll have the whole negative income thing for a few years. In the long run, it should work out, but it's still really scary.
About the cat guilt -- I feel bad that I can't pay for my cats to get their teeth cleaned anymore. Also, one of my cats just ate some dental floss on Saturday, and I'm already freaking out about how I'll pay for surgery if he needs it. It'll work out, but I hear you on that one.