<prompt> Human: First Id like to lead off by saying that mistakes have been made. I realize that we have dug ourselves into a very bad situation, and while Im sure there are many things we COULD have done to avoid this, right now Im much more interested in what I can do NOW to get out of this.First let me lay out as much as I can about our financial position:I currently make 15.80 per hour approximately 33,000 per yearMy wife makes 12.50 per hour approximately 26,000 per yearI have 13,136.72 in a company 403b.I have 23,446.65 in credit card debt spread between 6 different cards. All are maxed out. I have 22,842.07 in student loan debt. I have a 7,954.41 car loan.I have a 4,608.27 loan I used to previously consolidate other credit card debt. We are currently staying with family paying 300 a month in rent. They have asked the we move out by the end of September next year approximately 10 months from now.Rent for a 1 bedroom apartment in my city Salt Lake City is approximately 700-800 per month. I know that we have A LOT to do as far as putting ourselves into a good financial position. Right now my priority is to use the next 10 months to do whatever we can to be a in position to be able to afford to move out.Any advice about what to do now is very much appreciated. Additional info that may be asked for:My wife immigrated here to the US about a year ago and has no debt. She had a teaching certificate and teaching degree in her home country of Romania, as well as several years of experience as a teacher there. However weve yet to find any schools here in the US that take any of that into account when hiring her for any type of teaching position. Find better work for her has proven to be very difficult. I dropped out of school my sophomore year due to my father passing away and having to financially support my widowed mother. My job offers to pay for school, which I plan to do, but cant see making it work now given our current state of affairs. We would also like to send my wife to school here, and have even thought about sending her back first since her previous education might make it more likely for her to graduate sooner than I could. Weve set up a budget already, but things right now are looking pretty bleak, and frankly Im very scared. Please help PF.  <response>: I think you andor your wife need 2nd jobs to get in a better place financially 