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[quote=Anonymous]Okay, you said that some of your $35,000 debt is IRS debt. Call the IRS tomorrow and make arrangements for a payment plan.  It is very easy to do if you owe the IRS less than $25,000. There are a few more requirements if you owe more than $25,000 but less than $50,000 but it can still be done easily. Now, how much debt will you have left after that? Also, have you already paid the private school for the whole year or have you signed a contract saying that you will pay for the whole year? If so, pulling out now would not make much sense. Have you gone to the school and told them that you are having financial difficulties? Maybe they would be willing to work with you? If you have whittled your monthly expenses to the bone, I would  look into breaking the lease and finding a public school that you are more comfortable with (although as multiple pp's have noted, there are no guarantees with personnel at any public or private school, unfortunately). Finally, would your dh's parents loan you some money to help you get out of debt and into a new apartment in a "better" school district (formalized loan with repayment plan, etc.).[/quote]

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