<prompt> Human: Okay. So the short of it. I am 22k in debt with federal student loans, I owe a bank and a credit card 500 each and that doesnt even touch my hospital bills. My mother passed away two years ago and my older brother and I bought her house on the beach. We both came into a little insurance money that is now all gone. Its a nice house. We are behind in our HOA payments and owe 4K in taxes. We are both unemployed I am just coming out of rehab and my brother just lost his high paying job we literally have no income besides my brothers unemployment that he hasnt even filed for yet. What do I do? I am so stressed out. I want to sell the house but whats the best way to go about this? Please help. Also I have been working in the restaurant business and my brother will also have to find an entry level job  <response>: Sell the house. You cant afford it. 