Reply to Earning Well but Drowning in Debt...how to dig out?

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[quote=Anonymous]DH and I earn decent money (not a huge amount by DC standards, but comfortable) $285k HHI.  But we are so drowning in debt, we don't know how or where to begin to dig out. $200k in student loans. $50k in credit card debt (a lot from grad school and also while I was on maternity LWOP). We basically live check to check because of mortgage payments, student loan payments, credit card payments, and daycare expenses for two kids. We have very little savings, despite trying to participate in our respective 401(k) and federal tsp.

How do we start to tackle this? Do we see a credit or debt counselor? I have no idea how to find someone legitimate who isn't out to rip us off or destroy our credit even further. We need a game plan, as we are in our mid-to-late 30s, and cannot sustain this. We take one vacation per year, not luxurious, but nevessary for two fulltime working parents of three kids. We do have our kids in a lot of activities. We do drive two newish cars we had to get for space when the kids came along (three car seats).

Can anyone recommend a legitimate accountant or debt advisor/credit counselor, who could meet with us and help us sort this out and come up with a plan? [/quote]

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