<prompt> Human: Help! We need advice or a million dollars. As most young adults we are facing the crippling reality of student loans. We also have a life and have a house-which comes along with standard bills of living. Without getting into the detail of utilities-Im going to focus the discussion on student loans and some small other debt. We have two credit cards-one balance is 1,100 and the other has a balance of 2,200 with a 30 charge a month. Our house payment is 557.00 a month. Student loans are the killer. I have a federal loan amount of 33,300 and a personal loan amount of 45,991 and a 7 interest rate . I basically have 9day in interest. The fed loan is slated to be paid off in 7 years but the private loan has 17 years grand total of 85,000- now, my husband also has student loans. He has another 45,000 with various interest rates. Now we are both nurses. We make a fairly good wage for our area of living. However, we basically live paycheck to paycheck with 3 checks a month going to bills. We have some other bills. Our daughter is in daycare that costs 560month. She goes everyday, all day and honestly she doesnt need to. We dont have cable. Just internet and our cellphones a 60month for both. We dont splurge on anything and have the occasional restaurant date. What are we doing wrong and what can we do to make this better? I know making extra payments on principle balances would be ideal but we just dont seem to have the extra money to do it. Any advice would be awesome!Ps-I work full time nights 3 nightsweek and my husband works full time days 4daysweek which is standard for hospital positions.  <response>: Can you draw out a more precise budget? Exactly how much money comes in every month? Exactly how much is going out in each category? 