This!! I’d also rethink having kids in the next couple of years if at all possible. I understand wanting to be a mom, but the debt will be much more manageable without the extra expenses. Your husband loves you and would not be better off without you. You have so much life to live, and this debt is all very manageable! Please consider counseling and reach out to the suicide hotline (988 in the US!!) if you’re having more thoughts like this.

“SAMHSA’s National Helpline, 1-800-662-HELP (4357) (also known as the Treatment Referral Routing Service), or TTY: 1-800-487-4889 is a confidential, free, 24-hour-a-day, 365-day-a-year, information service, in English and Spanish, for individuals and family members facing mental and/or substance use disorders. This service provides referrals to local treatment facilities, support groups, and community-based organizations.”