<prompt> Human: So my wife and I are really struggling financially and I was just looking for some advice on how to dig ourselves out of this hole. My student loan payment is falling further behind owe about 1000 for this month with past due payments and what not we also have alot of credit card debt that we are making minimum payments on and some hospital bills that are beginning to fall behind also. Is there any kind of financial help that we can get or any advice on what we should do?  <response>: you arent going to get any help from this subreddit unless you list specifics. like:How much you each make monthly as well as the dollar amounts of each minimum payment you are making monthly, including utilities, phones, etc. Only advice one can give on the current details we have is cut spending tv, internet, cell phones and pay down debt. 