<prompt> Human: In the interest of getting to the point Im going to bullet out all of the information.- Household Income: 140,000- Partner 1: 75,000 interest 105,000 Navient Student Loan Debt, works in public service and has made very few payments- Partner 2: 45,000 Credit Card Debt half at 19.99, half at 29.99, works in medical field, 735 credit score- Child is going off to college this fall 26,000py- Second child in three yearsIs it possible to negotiate with Navient to reduce the interest accrued? Should we revaluate home value? Consolidate debt onto a few cards?I understand that based off of our current income it seems like an easy problem to fix, but we dont have 1,900m to put towards debt AND 2,200m for our childs college tuition.Any advice is greatly appreciated.EDIT: I have read every single comment and I thank all of you for your time and advice. To clear up a common theme, the 45k credit card debt was from the loss of our house seven years ago bad storm. Times were really tough for a few months and now were still paying the price. We havent added anything to our cards in half a decade, only paying off the interest.EDIT 2: Thanks again everyone. Ive decided to go to a CPA and use your feedbackresponses to shape the questions I ask and the plan that gets drawn up. I realized this is a much bigger dealissue than even I thought. You all are the best.  <response>: I understand that based off of our current income it seems like an easy problem to fixNo, its not. Your income is high, but it can still only do so much. Your numbers are OMG terrible. Youve GOT to get away from those credit card interest rates. I wouldnt normally suggest a debt consolidation loan, but good lord... you need to get a lower interest rate yesterday. Unfortunately, I dont see you in a good enough position to take on the risk of a HELOC, so dont.You need to check your spending ASAP. Cancel cable. Ditch any cell phone luxuries. If you have land-based internet, cancel your data. If you cant cancel because of your phone, downgrade your phone. Subscriptions? Gym membership? Low deductible on car insurance? Eating out? Trim the fat even if you have to knick the bone.As others are saying, you cannot afford to put your kid through school right now. That planning had to happen a long time ago. 