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Uh, actually the only way to get through this is to shed debt.
If you cannot make it and will sink under debt waiting for the "payback years", I suggest downsize. I offloaded two vehicles with payments for two older cars free and clear, cheaper insurance also. Next, consider loosing the house if thats a payment you cannot shoulder. Lastly, if the women can bring in a reasonable income, get her into a job. Otherwise if you have kids, it is probably better she stays at home and does that stuff so you don't have to pay for cleaning, babysitting, etc. Cancel the extracuricular activities. Cancel all but one of your credit cards. Cancel all your department store cards, gas cards, costco card etc. Ditch the Dish network, you can live on network TV. Cancel the cellphone unless it's your only phone, cancel the magazine and paper, etc.
If you don't have one year of pay in the bank, do all the things I mentioned and you may make it to payback time. If you don't, going bankrupt ensures you will never be hired by an airline again if your layed off and the next job runs a credit check on you. Call your bankl and tell them whats up, they will work with you.
Anything else?
At what point do you just consider its not worth it any more.
Fitness Instructor at Golds or 24 Hr Fitness. Good deal because they are flexible with the hours and you get to work out and get paid. A buddy of mine does it and he brings in about 500 per month
On a side note too, this dude is getting laid wiht all the contacts. He has three different ladies that pay him to go to there house for personal training sessions. Of course they are all married (one to an American Capt) but that is his problem.