<prompt> Human: So I thought I only had about 44,000 in student loan debt. I knew I had my 32,000 and I for some reason thought my husband only had about 12,000. Turns out he is at about 49,000. Yeah, yikes! I am currently a sah mom with a small photography business on the side and my husband makes around 48,000year as a respiratory therapist. Im just wondering if anyone else has been able to get out from under this kind of debt while making a smaller salary and having a family of 4 children which also eats up a lot of funds...literally!. I dont want to take 20 years to pay these off, but I just dont see how we can do it! So I guess Im also wondering if we should consolidate each of our many loans into one? Or if we should just pay them off smallest to biggest? Any advice appreciated.  <response>: My advice - dont have a fifth 