<prompt> Human: Today I went through all of our filing cabinets and finally got all of our unpaid debts in front of me. Backstory: I had credit card debt and have paid off a great chunk of it. Now at less than 10k My now husband and I started to tackle our debts when SURPRISE I found out o was pregnant. Halfway through my pregnancy, my husband was let go due to company down sizing. We used any savings or money we had for debts to keep us afloat. When our baby was born she needed to be in the NICU because she had stopped breathing at one point and her pulse had dropped. Turned an estimated 3k delivery into a 10k bill. My husband has about 3k in medical debt himself. I have 20k in student loans. So our debt is 42k, with all but the 9k credit card debts being medical or school. I was told previously you couldnt put medical or school debts on bankruptcy because I was wanting to file. We are drowning. These are all in collections because I had to stop working due to the baby and are check to check. If we paid some of these we literally couldnt put food on the table. I dont know what to do. My husband kills himself at work week after week and theres just not enough to pay much and it seems like we will never climb out of this hole. Anyone have advice on what to do if you are drowning in medical debt?! I know I cant do anything about my student loans. Thanks Reddit.  <response>: I cannot express how much I appreciate the responses. 