<prompt> Human: I owe about 35k in debt 27k of that is student loans, the rest is credit cards and some bills that I just didnt have the chance to pay.A year ago I moved from NY to FL leaving behind a job paying 25 per hour and Ive been bouncing between jobs here and finally landed something at 12.50. Ive fallen behind on payments and Ive gotten a bunch of collection notices already and idk how to go about making payment plans or if I can even get them to make a payment plan for me. Im making a little over 400 a week and its not enough to live, I have my wife who stays home taking care of our 20m old and our 10m old. We live with my mother in law whos agreed to pay rent as long as I cover utilities and internet. Ive been able to do that but now I want to fix my credit but I just dont know how. What I would like to do is somehow do a consolidation with all my debt hopefully with a small per month payment with a decent interest rate that can basically help me rebuild my credit. Anyone have experience with consolidation? Who do I go for? Should I even consider this? Sorry if this is all over the place idk what other info to give. Assistant: You have three adults living in the house?Your wife can get a part time job.You need more income. You left a good job for no job. You both should be working. You can work alternate shifts.Human: Yes, mother in law who works and pays rent, wife stays home with kids. We are scared to put the kids Im daycare and all her pay goes towards that.  <response>: Your wife can work nights or weekends when you are home to look after the kids. 