re: Debt Debt Debt.

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Overtime shifts are available but it is some soul crushing work.

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More soul crushing than being $65k in debt?

Look you've gotten advice here. You explained your cars are paid off and your mortgage is less than rent in your area. With you and your wife both being nurses that can only mean one thing. You have a spending problem, and a bad one.

I paid down student loans more my first year out of college and still saved 25% of my pretax income on a single income than you've done on two incomes in two years.

The matter of the fact is you have to get your shite together. You should be paying $12k per year minimum on this. That's a thousand dollars a month man. Work 6 days a week instead of 5 and you can do that.