how to humiliate yourself for n reason

I've got a problem with the expensive dental work I had done in Woodinville with endodontic root canal that has to come out because it has failed.  The oral surgery is not covered under my medicare as far as I've been told.  That's going to cost eighteen hundred dollars.  Putting a bridge where the crown has come off will be four thousand dollars.  My elderly friend, JoAnn Willard said she would help me. I went to see her today.  I didn't want to ask her to help because I felt humiliated to ask.  She couldn't find her checkbook.  Then she said she is helping two of her grandkids with college and she doesn't have that kind of money.  She never said anything before about grandkids but she had said that she would help.  I go to see the oral surgeon tomorrow.  I'm not sure what that consult will cost but I guess I'll find out more about it when I get there.  I guess I can't ask JoAnn for help because as she says she is 'helping her grandkids with college'.  I didn't know she had any grandkids that needed help but there it is.  I did inquire through CreditCare and they turned me down because of unpaid debts and bad credit.  I can see Amanda Leiza owner of Bay Cafe taking the final stab at my well being in this of course her stealing my credit cards ruined my credit but to now own a restaurant when I am the one who put her back on her feet, well, so much for that angle.
Not sure how this is going to work out but it's done now.  I won't go back to ask JoAnn although I said I would stop in again after I saw the dentist.  It's a can of worms for sure.  I'm up the creek with no paddle.