<prompt> Human: My wife and I are recently married and we request some personal finance advice.My wife has a masters degree in Speech and Language Pathology and was working as a Clinical Fellow but soon after our wedding she had a blood clot in her brain which lead to a stroke. In Wernickes area, ironically.Thank God and our fantastic doctors she is recovering well but she will not be earning a full-time income for at least the next year.We are currently relying on my income alone.I make 56,000 a year which comes out to about 3,200 a month after taxes and health insurance. My employer will start matching retirement contributions starting next year which is my third year of employment here.Our apartment costs 1,600 a month in rent. We live in an expensive city but it is where I work.Utilities come to about 235 Cell Phones, Internet, Electric and groceries are about 375 a month.Between us we spend 1,203 a month in student loan payments.Those of you who are following along with the math - notice our problem yet?Between us we have 92,490 in College Loan debt.Of that, 36,620 is at high 9.25 variable interest rates. The rest range from 0-7.9 interest. We have about 6,000 in our Checking AccountWe received about 20,000 from our wedding God bless our friends and family. Currently the money is sitting in a savings account making less interest than inflation.What do you think is the best use of our 20,000 right now?What other advice would you have that could help us not live in the red for the next few months?Thank you all in advance.Edit: Thank God, we both have excellent credit and 0 Credit Card debt.Edit2: Thank you every for your kind wishes. We feel more secure in the decisions weve already made so far thanks to you.  <response>: Apply for SSDI. The process takes a while so follow the frugal advice of other posters here while your application is in process. Start your application soon, as the eligibility period can only be backdated slightly: One key benefit of ssdi is that it allows a trial of work where your wife, once able to work, can try and if she is not able she can resume ssdi payments. There is good info on ssdi and stroke here:SSDI is a program she will have paid into while working to cover her for just this situation, so she should utilize the program now.Good luck to you and your wife and I hope she continues to improve. 