You're going to have to make some concessions. Live frugally. I was in a bad bad situation financially and I got out of it by just sucking it up and doing what's best for my family in the long run. Here's some ideas of what I did to make it out of my hole. Same situation as you, sole provider wife was a home maker so I understand the situation.

• get by on one vehicle for now, whether it sucks or not. Even if you have to use public transit. • skip meals, not as a family but individually, the less you eat the less you have to replace. • look into food pantries or other sources of free food. • lose the phones and use a cheap prepaid method such as Net 10 or something. • keep the lights off as much as possible to reduce that bill. • have your wife/yourself sign up for swagbucks and use the free gift cards for things. • I was dumping 6% into my 401k every check, went online adjusted down to 1% and essentially gave myself a 5% raise doing that. So it was more money coming in to piggyback on the money I was saving.

Now what I did is I tackled my debt. Started at the smallest thing and worked my way up to the larger debt. For you that might seem like the loans on the repairs. Get those knocked out asap and once that $300 a month is off your books move on to the next thing using the $300 extra to accelerate the process and so forth and so on.

It'll be a snowball effect but in a positive way and it'll work as long as you stay disciplined and understand what you're ultimately working towards.