<prompt> Human: Due to recurring medical bills and other unforeseen circumstances, my meager 11.15hr commission is not enough to support my wife and I. As I am young 22, my debt currently only rests at about 20,000 and I have no house or apartment. I live with my parents at the moment. I desperately want out of this retail cycle Im currently in and Im working 60 hrs a week and attending college full time. However, due to the fact that Im still not making enough to pay off my debts, my wife has strongly suggested that I quit school until I am out of debt and get a third job. Im certain that this will solve nothing as her medical bills keep piling up, and Im strongly considering filing for straight bankruptcy by myself the debts, while a product of my wifes taste are in my name alone. If I quit school AGAIN, Im scared that I may never get the education that I need to do what I want to do with my life. Debt consolidation looks to be a bad idea for me as my bad credit would probably result in a secured loan which may require me to give my car my only asset, but one that I use to work as collateral.Any advice?Edit: okay, I get that she got me in this mess, but theres more to it than that. Her spinal problems that she incurred at work after the debt was already there have been worsening and worsening and she cannot work. She quarterly has to get injections which are upwards of 1000 dollars and she has biweekly doctors appointments. Things are only going downhill at the moment and Id really like my financial aid to take care of school and my actual job to take care of the medical expenses. Shes not suggesting I buy her more, shes going to need surgery soon and other medical expenses are coming.Edit 2: I have no student loans, Im using Pell grants and scholarships to pay at the moment.Edit 3 for clarification: no, we are not still spending trivially, but the debt is mounting from the medical bills while the trivial debt is going unpaid and worsening with the interest.  <response>: I my wife had the attitude that yours seems to, Id consider a divorce. 