<prompt> Human: Back in 2013, my wife and I both a house before we got married, at the age of 25. Shortly after we got married. That year I also bought a new car, my old car was not reliable.We have been filing joint since then, as we got the best tax return. Our 2013 return was almost 8000. Since then its been between 3-5k.In 2015 we had to buy her a new car. She buys a car and drives it till it dies. This was the second car she has ever bought.In 2015 her Federal loans came out of whatever they were in, that she didnt have to pay while still in school - and we got stuck with a 450 a month loan payment.All was fine and dandy until you add that. Heres our, at minimum monthly expenses:Mortgage: 2147 this has increased from 1798 a month due to tax increases due to the property increasing 100,000 in worth since we purchasedUtilities: 400 this is a rough estimate for gas, electric, waterCar 1: 320Car 2: 390Car Inusrance: 188Federal Student Loan: 544Wells Fargo S.Loans: 187Navient Student Loans: 139That putting us around 4400 a month in base line bills.I make around minimum 1400 bi-weekly, and she is around 1000 bi-weekly - both after tax. So that puts us right around 4800 a month.Every month we run that line of Net0 or a negative balance. Negative is the more common of the two.Is there anything we can do with the loans? Primarily the Federal loan. The Wells Fargo and Navient are already several loans consolidated.Edit: Mortgage was listed at 1998 and not 1798Edit2: It should be noted that when we bought our house, our household income was close to 160k. My wife lost her job due to health insurance reasons - her employer wanted her to pay 630 a month on their insurance for about 9 months which we started acruing debt. Since then we have been working our way back. 2016 our household income was close to 105k. I know last year I made 107k myself, so im hoping we are back on our way to our original.Assistant: We make too much to qualify for IBR according to the sites and people we have spoken to. I should mention that I have listed my truck for sale. The returns we get are from her mileage she drove 23k miles for work last year - actually just did the spreadsheet for taxes and for her having a home office and being based out of our house.  <response>: Refunds. You get refunds. A return is the stack of forms you send to the IRS. 