Need assistance on reducing our expenses

Need assistance on reducing our expenses My husband and I are in a really bad financial situation. $25,000 of credit card debt, $60,000 in student loans, $25,000 in car loans. My husband makes $45,000 annually currently in his PhD program and I am likely going to have to quit my job when our child is born in a few months. There are no childcare options in our area, all the daycares hav...

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