<prompt> Human: For a few years we have been living just at or beyond our means and it has caught up to us. We have roughly 50,000 in CC debt and 20,000 in debt consolidationpersonal loans. We bring in about 220,000 gross per year. We are living paycheck to paycheck and due to our debt we are unable to afford our mothy expenses. I have looked at second mortgages and home equity loans but was denied due to score and debt ratio. We also just encountered a substantial issue to our home that will cost of thousands of dollars to fix. I am running out of ideas on how to improve our situation and am hoping someone here might have some advice or ideas I havent considered. I am happy to provide more information if it helps you help mejust tell me what is needed. Thank you.Edit: added budget. Should also note we are a family of 7. Most numbers below are accurate--others are aspirational Christmas, HOA, etc. I would like to fund those but rarely am able to.Credit CardsName BalanceLimitMinimum Payment------------Chase United 12,000.0012,000.00250.00Chase Visa 5,879.006,000.00172.00Bananna Republic5,114.005,200.00157.00Capital One Visa5,751.005,800.00155.00Citi Bank 4,106.003,200.00150.00Capital One Mastercard4,500.004,500.00150.00Sears Mastercard4,278.005,400.00114.00Barclays 4,510.004,500.00114.00Discover IT 2,312.004,000.0047.00 Amex 1,871.002,000.0040.00 Amazon Prime Store1,252.001,400.0035.00 Wells Fargo Visa984.001,150.0030.00 Totals 52,557.0055,150.001,414.00LoansLoans Balance Payment ---------CU 1 6,000.00 153CU 2 6,000.00 195Prosper 8,889.00 350Best Egg 10,548.00 277Car 29,000 500Student Loan ? 160BudgetIncome ----Pay Check 15,820.04Pay Check 25,820.04Child Support727.00Rent1,595.00Credit Cards Sears Mastercard-114.00Barclays-114.00Bananna Republic-157.00Citi Bank-150.00Amex-40.00Chase Visa-172.00Capital One Mastercard-150.00Capital One Visa-155.00Wells Fargo Visa-30.00Amazon Prime Store-35.00Discover IT-47.00Chase United-200.00Loans Car -500.00Student Loan-160.00CU 1-153.00CU 2-195.00Best Egg-277.00Prosper-350.00Food and Shelter Mortgage-3,500.00Townhouse-1,800.00FoodGasDining-2,800.00Utility Ins Auto Ins-355.00Life Ins-56.00Phone-250.00Cable and Internet-90.00Electric-150.00KidsSportsEtc Swimming-100.00Dance-350.00Preschool-600.00Charity Compassion-38.00Fund Over Time Propane-50.00Taxes-100.00HOA-100.00Christmas-100.00Other Expenses Auto Maint.-100.00House Maint.-50.00Clothing-50.00School Stuff-50.00Hair, etc-50.00Subscriptions NYTimes-15.00Google Drive-2.00Google Music family-15.00Prime-5.00  <response>: You lived beyond your means for a long time. You need to live like you make 50k a year for a while to aggressively pay off your debt. 