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Is this bank the only one you can work with? Do they have the lowest fees of all your local banks? Do they have a financial advisor you could work with to try to prevent this from happening in the future?
I just checked out Seetec's website... they say they will help with travel expenses to interviews and such like. Have you found this not to be the case? Or have you already tapped that benefit? Or does it simply not apply to travel to their training loacations [stupid!]?
Also... self-employemnt support: [link]
Definitely worth investigating, even if it turns out not to be the best course.
I just wish there was something concrete I could do, set something in motion to get you out of this ugly pattern.