<prompt> Human: This is my first post and I honestly dont know exactly what Im doing. I apologize in advance if this is a difficult read. I will make this as short as I can to avoid writing a book but that might not be possible. I met my husband seven years ago at our place of employment. He had just started nursing school and I was going to community college. At about our year of being together, all within a week, we found out I was pregnant, his father died, and we moved into his fathers house about an hour away to keep up on it. 5 months after my daughter was born I was in an ATV accident first and last ride and was in a wheelchair for a year long recovery. I am a 27 year diabetic with several other autoimmune diseases so recovery unfortunately took forever. I lost my job and had to quit school to heal and care for my daughter...which was a lot of fun in a wheelchair...sarcasm heavily implied here. My husband managed to continue working, graduated from nursing school and began his career. When loans came due they were 800month. This figure sounds astronomical before I mention that my husband was enrolled in an online course for his nursing degree and through some miscommunication, failed to submit a weeks worth of work subsequently failing the program. He had to start a new program at a new nursing school. I digress...With rent, 800 loan, my cobra medical insurance, and other very basic expenses we defaulted on the loan. When we were in a better position to work on it they gave us two options: settle for 50,000 or pay 3,000month. Did I mention my husband is a nurse? They eventually allowed us to pay 1,500month which landed us living with our parents with our child. A year of that and I was borderline mental. We found a house to rent and have remained here. As if this wasnt bad enough, the department of education just took our 10,000 tax return. When I called to find out what the hell was going on, they dropped a bomb on me that there were several federal loans taken out that now amount to 53,000..after our 10,000 tax return was taken. I am blown away. It has been over five years and they are just now contacting us? That much student loan debt would pay from what I understand over three nursing degrees. My husband was also shocked because he explicitly remembers financial aid saying he would not qualify for student loans due to this being his second Bachelor Degree. I know some will want to attack my husband but please do not. These are some huge fuck ups but given the circumstances of a dead dad, new baby and trying to get through school a lot of this time period is a haze to us both. There is not enough good to write about this man. I feel paralyzed and full of anxiety. I am a planner but feel as if this elephant is just too big even if chewed a bite at a time. I read Dave Ramseys book and really like the concept, Im just feeling doom. We do budget. We do not have cable, we VERY RARELY do anything for entertainment and we never eat out. Did I mention I now have a 15 month old boy? Tubes are tied so no more surprises there. Here is our monthly budget:Rent 878Daughters school, Montessori: 400Food: 500 I have celiac and I try to feed and eat healthy Medical prescriptions varies: approx 100Gas: 160Internet: 70Phone: 230 cringe waiting for contract to be up to make changesUtilities: 230Walmart: diapers, wipes, toiletries 100Netflix: 8Gym: 30We own both vehicles and have no credit card debt. It is student loans that are crippling us. My husband clears between 3,500- 4,000 per month depending on weekend and night differentials and holidays. Can someone please help me get my head screwed on straight so I can feel like our lives arent doomed for hopelessness? Where should I start? Any tips would be appreciated immensely.  <response>: You might have incorrectly formatted line breaks. To create a line break, either put two spaces at the end of the line or put an extra blank line in-between lines. See Reddits page on commenting for more information.I have attempted to automatically reformat your text with fixed line breaks.--- This is my first post and I honestly dont know exactly what Im doing. I apologize in advance if this is a difficult read. I will make this as short as I can to avoid writing a book but that might not be possible. I met my husband seven years ago at our place of employment. He had just started nursing school and I was going to community college. At about our year of being together, all within a week, we found out I was pregnant, his father died, and we moved into his fathers house about an hour away to keep up on it. 5 months after my daughter was born I was in an ATV accident first and last ride and was in a wheelchair for a year long recovery. I am a 27 year diabetic with several other autoimmune diseases so recovery unfortunately took forever. I lost my job and had to quit school to heal and care for my daughter...which was a lot of fun in a wheelchair...sarcasm heavily implied here. My husband managed to continue working, graduated from nursing school and began his career. When loans came due they were 800month. This figure sounds astronomical before I mention that my husband was enrolled in an online course for his nursing degree and through some miscommunication, failed to submit a weeks worth of work subsequently failing the program. He had to start a new program at a new nursing school. I digress...With rent, 800 loan, my cobra medical insurance, and other very basic expenses we defaulted on the loan. When we were in a better position to work on it they gave us two options: settle for 50,000 or pay 3,000month. Did I mention my husband is a nurse? They eventually allowed us to pay 1,500month which landed us living with our parents with our child. A year of that and I was borderline mental. We found a house to rent and have remained here. As if this wasnt bad enough, the department of education just took our 10,000 tax return. When I called to find out what the hell was going on, they dropped a bomb on me that there were several federal loans taken out that now amount to 53,000..after our 10,000 tax return was taken. I am blown away. It has been over five years and they are just now contacting us? That much student loan debt would pay from what I understand over three nursing degrees. My husband was also shocked because he explicitly remembers financial aid saying he would not qualify for student loans due to this being his second Bachelor Degree. I know some will want to attack my husband but please do not. These are some huge fuck ups but given the circumstances of a dead dad, new baby and trying to get through school a lot of this time period is a haze to us both. There is not enough good to write about this man. I feel paralyzed and full of anxiety. I am a planner but feel as if this elephant is just too big even if chewed a bite at a time. I read Dave Ramseys book and really like the concept, Im just feeling doom. We do budget. We do not have cable, we VERY RARELY do anything for entertainment and we never eat out. Did I mention I now have a 15 month old boy? Tubes are tied so no more surprises there. Here is our monthly budget: Rent 878 Daughters school, Montessori: 400 Food: 500 I have celiac and I try to feed and eat healthy Medical prescriptions varies: approx 100 Gas: 160 Internet: 70 Phone: 230 cringe waiting for contract to be up to make changes Utilities: 230 Walmart: diapers, wipes, toiletries 100 Netflix: 8 Gym: 30 We own both vehicles and have no credit card debt. It is student loans that are crippling us. My husband clears between 3,500- 4,000 per month depending on weekend and night differentials and holidays. Can someone please help me get my head screwed on straight so I can feel like our lives arent doomed for hopelessness? Where should I start? Any tips would be appreciated immensely.---I am a bot. Contact pentium4borg with any feedback. 