I feel ya! We're a one income family of 5 (will be 6 in September ) living on about 53k/year. I've been struggling with this also. We used our tax return/stimulus checks to pay off a credit card and our auto loan so that has taken our monthly payments down. Our rent is 1200/mo. No daycare thankfully so it gives us a little wiggle room. Not much, but even if its $20 after everything is paid, then I consider that a win. We live very frugally. I coupon, shop and make meal plans based on weekly circulars. We don't have any extra bills other than basic living expenses, ie. Rent utilities phone. Our "extras" are Hulu and disney+. We live in Idaho and don't qualify for assistance, but maybe you could look into that? Even the smallest amt of medical, food, or cash assistance could help. Other than that, I'd just start calling around and pricing out different daycares, phone plans, whatever you can to bring the monthly costs down. Try selling extra household things you don't need or use anymore. It's amazing how easily it is to sell things, and put all that money towards extra monthly debt payments. I know where you're at right now, its so hard to pay everything you want to. Just take things day by day. You'll get there!