<prompt> Human: Working 2 jobs I bring in Aprox 1500mo. My husband brings in 1000. I owe 65k in various student loans, 6K in medical, plus car payment, rent etc, were netting negative. Our savings is almost gone. What options do I have for financial advice, consolidation, etc? Who can I talk to that wont sell me on a bad plan? If my monthly payments went down, we could make this work again. Im a cancer patient, so im expecting long term monitoring testing. I need that emergency buffer again.Please read through the comments, before also commenting. Ive seen quite a bit of good advice, and a few points harped on. I hear you. Someone asked about my kidneys. Thank you, I needed a laugh. No, I cant sell my organs. Or plasma. Or eggs. No one wants cancery body parts, or those exposed to chemo drugs.Assistant: You guys have an income problem more than a budgeting problem I think. Can your husband pick up more hours or another job? What was your degree in? Are you actually working in your degree field?Human: Yeah no kidding. My degree is biology, I work as a vet tech and Urban Land Steward, so yes, Im still working in my field. My husband works in food service and cant pick up more hours.  <response>: Do you have a bachelors in biology? You might do better money-wise finding a full-time lab position, depending on where you live. 