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[quote=Anonymous][quote=Anonymous]This is insanity. 
1. You need a cheaper car. Immediately.
2. You need to work more. Period.
3. You need to pay off debt before going for more school Extra time should be spent working to pay down debt.

From someone who paid off 100k in debt in my 20s (all but 20k was high interest private student loans because my parents refused to contribute to college and I could not get enough financial aid due to their salary--I finished college in 1999--my debt burden was unheard of then). I worked three jobs. All my debt was paid off at 31. I lived on beans and rice mostly for years. I did not spend money. Everything went to debt repayment, retirement savings.

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This is an acceptable approach for someone in their 20s - although mostly because at that time, the $80,000 student loan debt was not dischargeable in bankruptcy! Presumably you were healthy and able to work 3 jobs with few side effects.

It's not a great approach for someone age 43 who is physically not in good health and whose job skills require physical activity (nursing)
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