Up to my eyeballs in debt
Currently, my husband and I have a combined credit card debt of $20,000+ and loan debt of $35,000+ including school debt. We make the minimum monthly payments, and we do not feel like we are making any progress in our debt and that our hole is growing. We have recently been looking at debt consolidation loans because my husband is already enrolled in a debt consolidation program (he enrolled before we met) and it impacted his credit in a very poor way. I'm desperately seeking advice especially since I just found out I do not qualify for short term disability through my job and I will be out of work for 6 weeks. Please help. I need guidance and advice. I've been on this path for 3 years and we have hit our wall and we are very outside of our means.
Thanks in advance,