<prompt> Human: Looking for advice.Due to quite a number of personal issues my family and I find ourselves in the following situation. Personal issues have since stabilized. FamilyMyself, Wife, 4 kids 15, 9, 12, 6Financial SituationCredit score Me - 657 Wife 656Income - Me - 160k Wife 0 - no real option to change jobsUnsecured Debt - 185k credit cards and medical billsHome mortgage - 620K House value 800k interest rate 3.625 fixed Mortgage and property taxes per month - 4900Sell home? Personal loan? Debt Consolidation?edited:Ages - me 44, wife 43Need to add - we have 300k in retirement IRAsReally want to stay in our current home - but I get this may not be possible.Wife has no job stays home with my youngest.I dont have an option to change jobs. Majority of unsecured debt is CC - interest rates from 13 - 19very small portion medical probably shouldve skipped it.Assistant: Wife 0 - no real option to change jobsIt seems she has no job, so I dont understand this statement. Or perhaps it is mean to apply to you?Perhaps you can explain it a bit more either way?Unsecured Debt - 185k credit cards and medical billsHow much in credit cards and how much in medical bills?For the credit cards, what are the interest rates?For the medical bills, are they newish? If so, have you tried to negotiate with the individual hospitals and doctors you are billing you? The first medical bill you get from a provider is sometimes like a test to see if you will pay - and if you wontcant, then they are willing to negotiate. Depending on how big of a chunk of that 185k these are, getting significant reductions in the bills could really defuse your financial situation. Home mortgage - 620K House value 800k How much would it cost you to rent? How about the home price for the cheapest house that could accommodate the six of you?Human: Need to add - we have 300k in retirement IRAsReally want to stay in our current home - but I get this may not be possible. Wife has no job stays home with my youngest. I dont have an option to change. Majority of unsecured debt is CC - interest rates from 13 - 19very small portion medical probably shouldve skipped it.  <response>: Wife has no job stays home with my youngest.It really depends on what your familys goals are here. Having the luxury of a stay at home, non-income producing parent is not compatible with your debt to income load.So I see a few options. The first is for your wife to get a job and have the youngest go to after school care for the few hours between the end of the school day and the end of the work day. What did she do before she stayed home? Any ideas on potential income she could generate? Are you and your wife connected well enough in your community that asking around with friends could land her a professional paying job?Im not sure why you dont have an option to change. Are you under contract? Or is it a feeling of moral obligation?You are obviously a well paid professional with some type of valuable skill - getting after hours contracting work is definitely a possibility. I have known engineers as well as computer programmers who have done this with great success. And contracting work can work around your current schedule.You have enough debt that just one regular ole 0 balance transfer card wont really cut it. So shopping around for a consolidated loan at a lower interest rate will be something to at least look at. Unfortunately with your credit scores, it may not be possible to get an unsecured loan with a lower rate. If your wife getting a job and you getting extra contracting work is simply not possible, then selling the house is your best bet. You can wipe out the entirety of the debt and most likely get a lower housing payment to boot.So really, the path forward depends on your goals and earning power, but selling the house really does seem like the best step you can take to getting your financial situation under control. 