<prompt> Human: UPDATE Thank you everyone for the wake-up call, and I apologize for any defensiveness. I realize Ive been numb to the situation and the truth hurts. This was my first time really taking a hard look at our financial situation because Ive been in denial about it. When my husband came home from work we retooled our budget based on a low-end income month and found 1000 worth of overspending on groceries, sundries and current bills that can be cut back immediately if we are ruthless some I didnt know was going out. I will be putting out feelers to nanny another baby in the neighborhood, I know many families in our area need childcare and I think I can bring in 700mo that way. My dad called and offered to pay 1500 on our deductible for my car that was sideswiped on Tuesday in a hit and run. I dont think it will be that high, but this is the expenditure I thought would bring us down for sure. Theres a light at the end of the tunnel, now. Our plan is to see what hubbys March paychecks look like cant be lower than this past month and set aside what we can in an emergency fund until we have 3 months expenses saved. Well call our lenders next week and work out payment plans for those we are behind on, using the Dave Ramsey method for the rest - paying off the smallest first and so on. We feel we cant move right now because it would be counterproductive to come up with first and last months rent when we have to get our credit scores up anyway. We will refinance ASAP to remove the PMI from our payment. My sisters wedding is a well see for the time being, but I understand those who say it shouldnt be a thought. My husband is officiating and were all in the wedding, so its more complicated than just saying cant make it. Maybe my dad will put the 1500 there if needed. Wed like to see a financial advisor but were concerned that it will cost us money on top of everything else- thats why I started here, but well look into it tomorrow. I welcome any thoughts on this plan and again, thank you for being honest with me! TLDR: Husband took a pay cut and we are sinking under 2500 mortgage payment, 150k in student loans, 25k in high interest credit. No retirement, savings or investments. Wont be able to pay bills next month. Do we try to sell the house or is there another way?Background: My husband 37 and I 35 married young and immediately had a baby, per the religious beliefs we were brought up with. His first job was in ministry making 13k per year, and we lived on student loans as he worked on his masters in religion. We both attended expensive private universities, his parents didnt help him at all, I never finished my degree, and after two ministry jobs in southern California we had no savings, no insurance, no retirement and 200k in debt to show for it. Our parents taught us nothing about finances and we lived paycheck to paycheck or worse the entire time.We moved from SoCal to a less expensive state but hubby could not find a job in his field and we both worked in retail for a year, barely putting food on the table with our ever-mounting bills. A friend came through with a job lead and we moved to a small town in the south so hubby could take an administrative role at a religious university. It paid peanuts, but more than what we were making before. He lost that job after a couple of years as we were in the process of leaving our church. noregretsWe moved to a major metropolitan area in the same state and because of hubbys education and a random neighbor connection, he was able to land a sales job at a great company with good benefits. He was bringing in 120-150k with commission. We played catch-up, tried to pay down some debt, but it always felt like we were barely keeping our heads above water even living pretty frugally. Low rent for the area, no vacations, no crazy shopping or huge car payments. We had two more babies because we felt like things could only get better and he was on a good trajectory at work: two promotions in three years. His insurance is great but takes about 1100month out of his paycheck. We bought a house when our lease was up and interest rates were down. Top of our FHA loan budget at 310k but low price for the area, great neighborhood, coveted school district. House payment was 2200 because we only put like, 12,000 down and we bought in a MUD district so tax is a bit higher. Weve probably earned 50k in equity in 2.5 years looking at neighborhood comps.Immediately after purchasing the home, hubby was promoted into a director position that is not commission-based, but dependent on the total sales of his store. His salary increased our yearly income at first, but in the process we saw 6 months where his checks were half of what they had been, and we whittled away at our savings and fell behind in some payments. By Christmas of that year, we had opened a few new credit cards and maxed them. We refinanced our house last January but because of a combination of being financially illiterate and our previous mortgage company screwing something up, our payment actually went up to 2500. We were able to skip two payments and that helped during a couple of bad months, but when the payments kicked back in we were swamped. Refinanced for 314k and still owe 309k, so I dont think we could even try to get a home equity loan to pay down debt.Ive had on-and-off low paying part time jobs and recently applied for a telecommuting admin. assistant position but didnt get it. With three kids and one not in school, its made more sense for me to stay home than try to pay for childcare. Its been all famine, no feast since last year and last month was the first month weve had to choose groceries over credit card payments. We are robbing Peter to pay Paul and have borrowed from family and taken out payday loans. In the good three months out of the year we are earning 7k, half of hubbys best commission checks. In the bad months we are earning 5k. House-related bills are about 3k and our debt-to-income and credit are shot, so obviously were in over our heads. Weve had a lot of little emergenciesbad luck situations over the year with a sick pet, I had a hit-and-run ordeal with an 18 wheeler and someone rear-ended me, just stupid stuff that set us back. My sister is getting married in June and we have to fly the whole family across the country. Im dreading figuring that out. Should we try to sell our house and rent something smaller and more affordable in our school district so we dont have to switch our kids schools? Our credit is crap right now, high 500slow 600s so I dont even know if we could find a rental in our competitive area and apartment prices arent much better. I dont think theres any way to pull our credit up right now to even buy a much smaller place. We are in a two story, 2700 sq.ft. and could get by with much less. We never thought we were being extravagant when we built our home because the homes around us are all 3000 sq.ft. or more, and we went with an entry-level builder.Just feels like everythings hitting the fan and we dont know where to start to try and fix this. Weve trimmed our budget again and again, its the high interest credit and our low credit scores that are killing us. At this moment we have about 150k in loan debt, 25k in credit debt, no retirement, no savings, and 50 in the bank. One more month will sink us. Hubby spoke to his boss months ago about the issue and asked for a guarantee but the request is still floating around in corporate meetings, I guess. We are actively looking for another job but he would take a pay cut anywhere he went so we wonder if its best to stick it out where he is. Im constantly looking for part-time work and doing all I can to watch the budget, sell stuff we dont need, barely leave the house to save gas, etc... Hubby works 12-14 hrs per day plus Saturdays so its hard to find anything flexible enough to accommodate that schedule. I put a lot of research into selling on Amazon but Id have to spend money to make money, and theres no money to spend. I honest to God think the autoimmune disorder Ive come down with is because of all of the financial stress. Its killing me.Any advice?Assistant: Consider taking on a boarder in home since you have room? Sorry to hear about your trouble no expert but my only thoughts. Good Luck!Human: Thank you- I have considered that recently but taking in a stranger concerns me with three kids, including a baby who still cries loudly at night. : I will still look into it!  <response>: What about a single mom with a young kid? You guys could help each other. Youre in a TERRIBLE spot right now and need to start thinking outside the box, because youve trapped yourself into a pretty shitty box. 