<prompt> Human: Background: my husband and I made stupid decisions and now were in even more debt. So we moved in with my in laws an hour and a half away to save about 1,000 per month. I am an RN with my BSN. I make about 41,000 per year before tax assuming I dont work overtime with almost 3 years of experience. I got a paycut from my old hospital. I work between 40-60hrs. My husband has no degree, but has about 5 years of experience in retail and has been a supervisor just above a regular employee, but not quite a manager for about 2 years. Currently he is making 640 per paycheck. He is trying to get a better job. Hes only been at this job for about 3 weeks. They were misleading on what he would be doing and other things. He had an interview yesterday. He wasnt making really any money from Nov-June.We cancelled all our credit cards and have stuck pretty strictly to a budget. Our income per month: 3,480-4,280 depends if I work overtimeOur monthly budget: Compassion International: 38 Emergency fund: 60 Phone: 166.31 Grocery: 400 Gas: 40 Auto Insurance: 160.42 NetflixAnimeGymApple care: 64.77 Pocket money: 200 Car payment: 285.57 Credit Union credit card: 100 Credit Union Line of credit: 50 Best Buy Credit card: min 25, we pay 100 most months Sallie mae student loans: 575.02 My federal student loans: 300.69 His federal student loans: 161.10 Shitty Medicaldentaleye insurance comes out of my paycheck before taxes: 390 Our debt: Medical bills half are already in collections: 1,193.90 Best buy credit card: 2,319 Credit Union line of credit: 2,326.74 Familyfriends: 3,190 Credit Union Credit card: 4,658.79 His federal student loans: 15,167.17Car loan: 16,157.04 My federal student loans: 20,522.94 Sallie Mae student loans 9.375-10.375: 35,510.57Im looking into travel nursing, which will pay more and he had the interview yesterday. Is there anyway we can do better with what we have!? Edit: I did not expect this much advice. I posted this before going to bed and checked reddit before clocking in at work. I am working on responding to comments as much as possible, but I am at work so Ill be slow. Thank you all so very much for your time and help!!!Just to clarify my income, I make 22.30 per hour with 4 shift differential, my pay per year and per month is after taxes AND insurance. As stated above, my insurance is through the hospital I work for. I am not going to give up sponsoring a child through Compassion. I have sponsored this girl for about 11 years. I have met her and her family in person and I have built a relationship with her via letters. I will cut back on others things and continue to sponsor her. That is the only thing I am unwilling to budge on. Edit3: I realized I calculated my husbands for one week and didnt double that. Its 640. And of course fixed our monthly income to reflect that. Also fixed my annual salary to reflect before taxes, not after. Edited to clarify that Im an RN with my BSN.Please excuse these errors. Wasnt paying full attention when I typed this novella.Assistant: Compassion international: 38No. You are in no position whatsoever to be donating money to anyoneEmergency fund: 60If you have about a thousand dollars or more in the bank, you can delete this line item as well and focus hard on high interest debt credit cards. After you get your situation a bit more under control, then you can think about beefing it up a little more.Familyfriends: 3190Im heartless, but this debt should be repaid second to last last debt will be student loans, since its a high amount. Let them know about your situation and they will be understanding. Sallie Mae...9 to 10 interest!Holy crap, consider a refinance after you get your credit score under control. Thats grossly overmarket value.Human: How do I refinance loans that big? I mean technically its 4 different loans. But where is the best place to talk to about refinancing?  <response>: Check out SoFi. Usually how it works is they would lump the 4 loans into one master loan with a lower rate. Only do this after taking care of your credit score though, because before that it will be of no use 