 It's making it hard to sleep at night, and we're on the verge of divorce due to this. Wow. How much debt have you got? I can go through it quickly. I've got $38K in a personal loan that's rollover from credit card debt, $29K in a car loan. Of course, that's upside down. $28K student loan, $12K in consumer debt, and $8K in another car loan, the daughter's car loan.