I've thought about assisted living facilities for myself sometimes... I'm just such a slug at times.
You've got a great relationship with your grandparents, and they've been with you a while, no matter what happens, they'll always be in your heart, and when you do get married (oooh can I come?), they will be there, dancing their feet off, beaming proudly and what a beautiful bride you are.
Why do you think the ladies room was invented? it's a great place to go have a good cry-- just wash your face when you are done.
PLugging away is a great attitude -- you will succeed, your financial situation is just a temporary bump, and a learning experience, you'll get thru it, and you'll be just fine... You will