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@crose90 You need to increase your/your family income. Point blank. This is a must do. Your statement about not being sure how to be a financial support system & a stay at home dad simultaneously is very telling. This is the crux of the matter. You can't. Not in your situation. Why are you...

@michielles I agree that restructuring will not solve the problem, but it will definitely buy some time. That doesn't give OP a pass to take on any more debt or to not aggressively work to increase income. What it does do though, is prevent OP from paying ridiculous interest rates and bleeding...