For three years, Erica Kirkwood worked full-time for the city of Chicago and went to law school on the weekends in Kalamazoo, Mich.She stayed in hotel rooms near Western Michigan University for the first two years at school and split an apartment with someone who was mostly only in town during the week for her final year.Driving to an exam one weekend, she got into an accident on a wintry expressway that flipped her car over and totaled it. When her then-boyfriend, now-husband arrived at the Michigan hospital to visit her, …