Help the Chapman’s Get Caught Up on Bills

We have been trying to slowly work our way out of debt since going through Dave Ramsey's Financial Peace. It's been challenging both working full time and living paycheck to paycheck with little left over. My husbands student loans went into default a few months ago and we can barely afford his monthly payments. I'm working on my masters degree online which is expensive but is adding to my already high student loan debt. It has been challenging to say the least, but it will be worth it in the end. We have found ourselves stuck behind a brick wall and need help climbing over it. We have incurred a couple of loans due to unforeseen expenses and can't seem to pay them off. We've gotten behind on our bills and I'm worried about our electricity and water being shut off. Our 4 year old son is in daycare which costs $420 a month! I'm afraid that if we aren't able to pay off these two loans we will end up having to move again. Thank you for your prayers and blessings as we try to get caught up and back on track. The Chapman Family