Reality: It is almost unheard of to get a raise from 20K all the way up to market rate. You need to move to another job. Given your situation, I would advise c

Reality: It is almost unheard of to get a raise from 20K all the way up to market rate. You need to move to another job. Given your situation, I would advise creating a portfolio so your clients/potential employers can see you work and then get a client for a short term side job. I say "short term" because you will invariably underquote the true cost of your first job so you don't want to lose too much. <g> Never, ever (ever) try to sell yourself as being cheaper. "I was wondering if I could work fewer hours? I like working here but I'm going to need to take on some side jobs to so I can afford to work this one." OR: "Would you be willing to give me a reference Bob? I need to start working some side jobs so I can afford to work this one."