 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, 29 in a car loan. Of course, that's upside down. 28 student loan, 12 in consumer debt, and 8 in another car loan, the daughter's car loan.