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Thank you all so much for your wonderful suggestions and support it truly means a lot to me. Just taking it one step at a time, and I'm sure we'll learn from what's happened before. I really don't want to feel this way again.

My husband and I are carrying quite a bit of debt—around $100k, actually. We earn a decent income, and once I sort through everything, I believe we can handle the minimum monthly payments. But with a debt load this big, it feels like we'll never truly be free if we only make the minimum...