It wasn't Hermione-centric, but I believe Obsidian Warlock's More Equal Than You Know has a Hermione whose parents died in a car accident and who used crude mind magic on some passing muggles to fake parental supervision during a Diagon Alley trip. The reason she was so nuts over school is because she was desperate to graduate before she ran out of money and wound up homeless. http://fanfiction.portkey.org/profile/15353
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"Anyone can be a winner if their definition of victory is flexible enough." - The DM of the Rings XXXV
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"Anyone can be a winner if their definition of victory is flexible enough." - The DM of the Rings XXXV