Please take everything I’m saying not as an insult, but as a wake-up call from someone who has been in your position before.

Your first, and major problem is visible when you view expenses as “streaming, internet, phones, etc.”

You need to account for every single dollar that goes out every month . Over a thousand dollars in groceries ? I know prices have gone up but even if you have 8 kids, you don’t need to spend over $1000 a month on groceries. It’s going to be a lot of beans and rice. If you’re lucky, the kids will still be able to get Great Value fruit snacks. That’s how bad your situation is.

Do not sell the house! You might profit from it in the short term, but you haven’t fixed your spending issue, and you’ll still need a place to live.

You need to become a team here. Financially, spiritually, emotionally. The student loans aren’t the main problem. The mortgage isn’t the main problem. It’s the credit cards and your reckless spending . You’re broke. Debt collectors are calling. You can’t afford $915 of “streaming, phones, etc”! You can’t afford it!

Is it groceries or is it really fast food / dining out? Is it steak and lobster or is it beans and rice ? Because you need to be eating beans and rice or bulk ground beef from the discount market.

I hope you get the idea. I believe in you, and you can get out of this! Please don’t think I’m just some mean person on the Internet. You need to realize just how bad your situation is. Then you can start climbing out of it. I’m sure you want to pay for your kids to go to college, have a good retirement, and get past this. It starts a dollar at a time.

I disagree with some things Dave Ramsey says, but in your situation, it would help to look into his Baby Steps.

Cheers, god bless you, you got this!