I downloaded the app and found only 2 jobs that weren't very close to where I lived. One was about a 45 minute drive, the other I'm not sure how far it was. It's not a very useful app for me at this point.Read More...

Are you able to get them deferred? While that's not going to get them paid off, it will give you time to get in a better situation to make the payments. Did you request an income based payment? A lot of times, depending on your income, that can be as low as $0 a month. If you don't qualify for income based payment because you make too much money, then you may need to take a look at your finances and see if there is anything you can stop in order to make the payments.Read More...

I know it's tempting, but it's not a good idea to take money out of your IRA or to even borrow against it. You may not pay it back and there's the big tax hit. I would sock as much money as I could on the mortgage and get it paid down as fast as possible. Look for additional income methods. If something bad happens, you have time to work at getting it fixed before retirement. If you've taken the money out of your IRA, you could be scraping for pennies in retirement. The cost of living goes...Read More...

My personal opinion is not to take money from his IRA. You and your husband may have good intentions on paying it back, but it may not happen. You will also have the tax hit, as you mentioned.Read More...

Take a look at this to see if it will help you. Aseniorcitizenguideforcollege.comRead More...

That sounds like a great idea to start with. Take a look at how much you spend on food or other necessary items. See where you can cut back. That money may seem like not very much, but it is something.Read More...

First thing I would do, and one of the hardest things to do, is to call the bank and explain the situation. Communicate with them. Its been 6 months, so it will likely not be a fun conversation, however, it needs to be done. You may have done this already, but if not, consider reaching out. Make a payment plan- pay something. It doesn't sound like it's gone to collections yet, so that's great. And congratulations on the new job! I know it pays less, but I'm happy for you that you found...Read More...