I lived with my mother in her house to help take care of her a short time before she had to go to a nursing home. I've continued to live there as I lost my house in a divorce. I want to keep the house as my residence, as it was my mother's home and my credit is too poor right now to go out and rent or buy. I'm over the 200% of poverty, so I can't claim hardship. Can I simply make payments to the State?