<prompt> Human: Throw away account because I am deeply embarrassed and chagrin about my financial situation. I have a tremendous amount of student debt. I am paying back my own and my fiancés. Together we have about 137K in student loan debt. We also have a car with 7.5k owed at 3.3 and a couch with less than 300 and no interest on it. We have one car that is paid off that I am hoping to get two more years out of. We also do not have any more credit card debt. I have been taking a much more mature approach to my finances the past two years, but far too late in life. The damage is done. I spend 5 hours a week budgeting my cash flow and expenses. I try to get us to live modestly. We live in a small cramped apartment in an expensive part of the U.S. for a little more than 900 a month. I count every penny and make a plan for every dollar.For the debt I am doing the Dave Ramsey Debt Snowball and paying off the smallest loans first. So far I have paid off my credit card debt and two student loans. But I still have a long road ahead of me and it is discouraging to say the least. I go through my budgeting for the next month and start to feel good about being responsible. But then I turn to my mount of debt and get nauseous at the site of how goddamn broke I am. I see this awfulness and I know I wont be able to have a decent retirement, that I wont be able to take my family on vacations, that I wont be able to securely own a home, and the worst of it: that I wont be able to supply a college fund for my son. I fear he will fall into the same pit that I currently see myself in. I hate myself for taking on so much debt. I am angry at my parents for letting me take it on. I can still hear them saying Youre going to college, no matter what! And here is another fan-fucking-tastic thing about my student debt. My parents co-signed. If I default on my loans, it goes on them! This has happened before, when I was right out of college. As soon as I started making money I started paying them. But if I defaulted, the payments would absolutely ruin them. I make roughly 70K a year, which after taxes and all that blah blah I take home just under 5k a month. Thats pretty good money! But I have to spend roughly 2k on minimum payments for debt, close to 1k for housing. Another 500 on my snow ball effort. And I have to provide 800 tuition payments so that my fiancee can get through collegeso she get a teaching cert and start contributing to our income and I have to somehow save enough money so we can move to a bigger place in December, AND have enough money just in case of an emergency and provide food for my family. Oh AND when any family comes into town, its on me to pay for dinner out. AND I am expected to make yearly trips across the country to see our parents. Oh, AND I have to provide my family with entertainment to get them out of the apartment to keep us all from going stir crazy with cabin fever. Oh AND the fiancee wants to go out to eat more often. She doesnt understand why Im being an asshole and saying no to eating out with friends who end up influencing us to spend even more! Okay, Im getting a little carried away... I dont want sympathy or pity from you. I fully intend to clean this mess up; the mess I got myself into. I take full responsibility for it. But this... this is fucking hard. What I could use from you all are words of encouragement. Maybe suggestions for improving my circumstances. I feel like I am completely alone in this endeavor and that I didnt learn money management skills until it was far too late. Im 28 and I fear that I will be in debt until I am 60. Originally, when I set out to post this I was simply going to ask about settlement offers for my debt. I have heard Dave Ramsey say that debt agencies will often buy debt for nickels on the dollar, i.e 5 of the total amount and that the collection agencies will often settle for 10. I have continued to be on time with my payments, would that give me leverage in this situation? Does anyone have any experience with this?Thanks for reading my Rant. I do feel a little better now. All advice is appreciated. Edit: cringy typos  <response>: Right now, it sounds like youre supporting three people paying off debt with a single income of 70k, and youve managed to pay off the credit card and two student loans. Honestly, thats an accomplishment.It sounds like the two biggest things you could do right now to make things easier are:1 have fiancee contributing income2 take extra obligations like a bigger apartmenttuition paymentsfamily visitseating out OFF the tableWhat would it take to make both of those things a reality? 