<prompt> Human: I am a middle school teacher supporting a family of 6 on my income alone. My wife and I have 80k in student loans and 40k in credit card debt. We are about 1500 short a month in our monthly expenses. We get by on gifts from our parents, a hefty tax return, IBR options on Student Loans, and of course, credit cards. Overwhelmed and depressed. Taking its toll on our marriage. Want to support my family without so much help from my parents and without amassing more debt.Things to know: 1 I am burnt out on teaching. Would love to find a new better paying career but having a hard time finding anything outside of education that I would qualify for2 part time summer work helps, but only so much. Plus my mental health really needs at least some sort of break from teaching3 my wife plans on going back to work when our youngest is in school 2 more years. If she were to go back now, the amount she would make compared to cost of daycare would hardly be worth it, especially considering it wouild disqualify us from IBR forbearance on certain loans and cut into our tax return4 our monthly mortgage is about as low as you can go for a home that houses 2 adults and 4 happy kids5 weve looked into debt management plans, consolidsting credit cards, even bankruptcy. Nothing would really help our situation. In the case of bankruptcy, besides the obvious drawbacks, we would likely lose one of our vehicles, something we could not live with practically or ethically they are both fully-paid for gifts. 6 were we to sell our house we could chip into a large portion of our c.c debt but would risk a larger monthly payment in whatever place we landed next7 I see it as a two-part problem: we need less debt and more income. Easy, right? Lol...Anyway, any advice would be GREATLY appreciated.  <response>: You need to provide the details of your income and spending for help. But six on one income is going to be brutal. 