<prompt> Human: Before i get started, i do realize all financial obligations are mine and mine alone. I seem to have just dug a hole i cant get out ofHello,Im in a bad bind, i need to get out of our loans or somehow pay them downoff. Currently, we are about 3-4 months behind on our loans which i will list all our debts and income Income: About 2500moBillsDebts:Rent - 850Utilities - 210Car - 262.45Credit Card used as a consolidation for medical and my husbands previous car payment - 260Daycare - 600Cell Phone - 165Auto - 133Student loans - 300My brother gives me roughly 50mo for his phone that is on my plan.I just dont know what our options are at this point... we both work full time and have two kids one in school. No savings and no help from familyrelatives. Any advice is greatly appreciated.  <response>: You have approximately 3,000 month going out for costs above. This isnt factoring in anything else such as internet, tv, food, gas, health insurance, and miscellaneous costs. You probably have another 500 to 1,000 going out above and beyond what you listed. Even if you got rid of all the extra costs, your basic costs would still be higher than your income. Here are some steps you should look into:1 Check for any welfare programs that you may qualify for. Several programs allow for deductions for things like Daycare from income and you may very well qualify for some help. It wont fix the entire gap, but it can help.2 Can one of you switch jobs to stagger times? If you could do this it would be possible eliminate Day Care all together and then move down to one vehicle. Sell the other one to pay off credit cards. Doing this would save about 900month.3 If you cant switch jobs, figure out carpooling. If you can get in with a group of people that go to work, you can front extra cost for gas in return for them driving. Then you would be able to cut out a vehicle and pay the credit cards. 4 Both get part time jobs. Even with cutting as many costs as you can in the end you need more income. Looking for better paying jobs and getting part time jobs is the best solution, though it can be very trying. 5 Move. I dont know the area you live in, but you may need to sacrifice space and ideal location in order to cut a few hundred out of rent and utilities. Be careful though that other costs such as gas do not increase on you!6 Take a breath and enjoy life! It can be quite frustrating to deal with a hole like this and it seems like it always piles up on you. However, you have to enjoy life even through these times. Your kids dont stay young forever. Make an effort to go to do family activities and outings that require little to no money. Things like picnics, going to a lake, hiking, or visiting certain museums can cost almost nothing and provide great family talking experiences. Try to get out of the house as much as possible.Good luck with your finances and I hope you have a quick recovery from them! 