My husband and I have massive debt from school and general life. As it stands our monthly payments are becoming more than we can afford combined with our cost of living. His student loans were suppose to be taken care of by his work place but because of fudged paperwork it is no longer possible. We do not live lavish or have grand lifestyles. We live modestly and try to plan well.
Due to this we have to make payments or let our credit suffer and spend years trying to fix it. We have two cars and soon to be one as we are going to sell one back so we can try our best to get ahead of it all. We are also considering giving up our dog and cat as that would free up money each month, however they are family and that is a last ditch plan if we cant care for them anymore.
We had plan of purchasing our first home but because of the debt to income we no longer qualify and will have to stay in our small one bedroom apartment for a few years. Which is not the worst but we want to start a family while we are younger and able.
This has put significant strain on his and my own mental health. A few month back he made an attempt at his own life telling me if he dies then I would get enough to pay for it all and have a good standing. It was a failed attempt but his depression worries me though i am confident he wont make another attempt I cannot but help worry about his well-being with these daunting troubles ahead of us.
We need a grand total of about 24k to be in good standings and be able to move forward in life and we are actively searching every corner and faucet that we can to secure these funds so that we have a better mental standing and can start our family in a place that has the room to do so. I don’t expect much or really anything at all as there are many in far worse places and situations. However I am reaching out to those that would be willing to help us stay on track and keep moving forward in life.
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