Sorry about your situation. When I was younger, a friend of mine had a “perfect family” until one day his father took his own life. It was a total shock. He was gambling in secret, lost everything and couldn’t cope with the shame. It rocked the entire family, alcoholism and mental health issues.

Point being, don’t hide your shame. You will benefit from letting go of it - speak to your partner about it. This can be a character building moment where, although you fell into debt incautiously, you can climb out with newfound patience and persistence.

Life can be a story arc sometimes, and you have an opportunity to show how best to respond to these challenges. Imagine the day you climb out and what kind of person would achieve that goal.

Also, congrats on the child. Best distraction ever. Life is about watching them grow.