<prompt> Human: So my wife, is a medical student, and I am a system designer. Combined we both make a income of 60k, our living expenses car payment, rent, utilities, and phone bills are around 2.5k a month. We just had a newborn a few months ago, so my wife decided to take a year off from school hard to have a newborn and study for boards but that meant that her student loans stopped coming in and our income dropped to 32k. Now with our current income, Im struggling to get by and pay all of our living expenses, and keep food on the table. Ive tried cutting costs as much as possible getting rid of entertainment costs i.e eating out, Netflix..etc. But Im still at a deficit, my wife is planning on getting a job, but as it stand it looks like I wont be able to keep up with the expenses for another month. Should I take out a personal loan, to bridge the gap till my wife starts working?Assistant: You are saying that your wifes income that you were living off of was actually student loans? Thats NOT income; thats debt! Bad idea. Good thing they quit coming in; you were shooting yourselves in the foot!Human: Only way to afford and pay for medical school...  <response>: But it wasnt paying for medical school, it was paying your living expenses apparently. Once you start med school, youd better finish, because if you dont those debts are going to own you for the rest of your life. How much do you owe already? 