That will just pile more debt and entice you to charge up your cards again. Get trusted and personalized advice by calling the National Foundation for Credit Counseling at 800-388-2227. They will go over your debt and help you find ways to pay it down. Could either of you take a part time job for a year, and devote all the earnings to paying down your debt, which I presume is credit card debt? That’s the best way out. Otherwise you will keep being buried by the interest that accrues.