<prompt> Human: Im going to make a long story short and give you the quick and dirty. You can assume Ive already cut out non essentials, cut entertainment, etc. in the numbers below.Current combined income: 5k monthCurrent expenses:7k monthFor the past two years Ive been able to rely on a steady 5-6k a month from a side business I had going. My primary job brings in 3k, my spouses job 2k.We foolishly, I know came to count on that income from my side job and our expenses slowly grew to match.We bought a house in June and decided to remodel it. Both projects wiped out our savings, and we ended up taking out a 20k loan. No problem, I thought to myself-- 4 months from my side business will pay that off.Well, in July my side business only made 2500. In August, 1k. Summer slump, I thought to myself. Stupidly I didnt decrease our living expenses at that point, thinking turnaround was just around the corner.Well, here we are in Jan, and my side business barely made 100 last month. This doesnt look likely to change very long story.We have since racked up almost 20k on other bills-- randomly had plumbing issues necessitating almost 10k of work, car repairs, and then just general living...We are maxed out on credit. I talked to a credit counselor-- she said we wouldnt qualify for debt consolidation because wed need to qualify for 80k in order to get 40k, and its unlikely theyll approve us. She said debt management would only help with the cc 17 internet and not the remodel loan which is at 3 interest.We have good credit right now, but were rapidly approaching the point where we wont be able to scrape together enough for our bills and the repayments on cc and loan.My dad thinks we should declare bankruptcy, which I am very opposed to.The complicating factor in all this is that I am in the middle of a professional licensing process which, after Im done, I should be able to make 5-6k a month. Its taken me 4 years and I have 13 months left to go on it. I keep thinking I just need to go find a higher paying job, but if I do Ill leave the certification process-- which needs to be completed in a continuous manner--thereby voiding all my previous effort. I dont want to do that, but Im at a loss as to how to make more money RIGHT NOW. My spouse is no help in this area as he is already above the max posted salary for his education.So all that to say that in 13 months Ill be able to cover my expenses... but what do I do in the meantime?!!Im just not sure what to do next. Any options I might not be aware of?  <response>: You can assume Ive already cut out non essentials, cut entertainment, etc. in the numbers below.No. ಠ_ಠThere is no such thing as 7kmonth of non-essential spending! 