When the universe is against you...

I just don't know what to do anymore.  Every time I take a step forward, I feel like we take two steps back.  Today I had my sonohystogram done.  And who gets excited for a painful ultrasound?  I do.  J did too.  My Dr said I had a polyp and my lining is thick which is odd.  I'm not sure if the polyp will be a problem but I'm sure I'll find out in the next few days.  Then I finally got my answer from the clinic about the FSA funds.  Only 2 days before open enrollment ends and I get my answer.  I can't use it to pay for the program.  Hopefully I can use it to pay for donor fees but we were counting on using it for that.  So now I'm stressed and upset because I'll have to apply for a bigger loan and I'm worried that we won't qualify now.  We did back in April but we've increased our spending and things are different now.  I just don't know what to do anymore.  How can things go wrong so quickly.  I hope I'm just over reacting but I don't think so.