Hello everyone. I’m not sure where to go with this. I’m swallowing a mountain of pride to ask people who don’t know me for help. As my title states.. I’m working full time to support my wife through college. When the pandemic started, she was working full time as a retail manager in a mall. By mid last year, the complete disrespect and overwhelming pressure put on her from management to hit unobtainable numbers brought forth by the money being spent from the stimulus package took a toll on her mental health. To the point of full blown anxiety attacks on the way to work. I had no idea how to handle this, so I suggested she quit and pursue something she actually wanted to do. So she decided to go to college to become an art teacher. Well, I didn’t get to prepare beforehand, so we suddenly lost about half of our income, and the bills stayed the same. Since she started school, to compensate, Ive been relying on credit cards and personal loans to keep up with our cost of living, cutting as much expense as I could in the meantime. Unfortunately, I didn’t realize how soon the interest and whatnot would come to haunt me. That quickly turned into an immense burden on me, and with no real raises coming in, my cash flow became negative. That turned into a massive depressive episode for me, which in turn almost destroyed our marriage. 4 months in to her being in college, I shut down. We grew distant. She went out with a supposed friend to a bar.. and he took advantage of her stress. I found out about it and lost control of my emotions. To cope, I opened a bunch of credit cards.. spent a bunch of money on myself, and have been carrying the debt since the beginning of the year. We’ve both been in therapy, thankfully covered by my insurance, and have moved on to a better frame of mind. Unfortunately the debt has stayed the same. I can’t take on another job, as I’m working full time already as a truck driver. Her untreated ADHD makes it extremely hard for her to be a full time student and work. Unfortunately our great medical system keeps giving her the run around. Some raises are on the way, but my cash flow is so close to negative, that any extra expense (i.e. car tags this month) will put me into the negative until I get paid. I don’t know what to do to get a head and pay this debt off. We have two car payments, which will be matured in another 13 months, which will greatly open up my ability to make more payments, but that’s 13 months. I’m really just at a loss. Anything would be a lifesaver at this point.
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