1) I only recently found out that my husband has been secretly building up $90k in credit card debt. He was paying just the minimum until he could no longer do that and I found out when a card was declined. It includes medical debt for our kids. He was helping his mother out without my knowedge. Some of it was just wasteful spending. He's always paid the bills, and in 24 years we have never carried any debt before other than a mortgage, not even a car loan. Our credit rating is fantastic. So believe me when I say I had no idea.
2) I recently went back to school after being a stay at home mom and got a degree but lost my first job within 3 months. I've been applying like crazy for 6 months now with no luck. It doesn't help that I'm older and haven't really worked in 15 years. I am now working 55-60 hrs a week in retail while I'm looking, but even with those hours, the pay is not close to what I need to make a dent in that debt.
3) Our kid starts college in a month and we were counting on my income to help. We don't have the down payment for her tuition.
4) Husband refuses to declare bankruptcy because he is proud and says "it's only money" and that I will find a better paying job and we can pay it off if I put all my income to it in the next few years. Apparently, he thought our income would double when I graduated and so he just started spending it ahead of time.
I'm very depressed, very angry and at a loss on what to do.