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Two years is a very amitious schedule for that amount of debt (considering your family income). I think working with a 5-year timeline might be more realistic. I was in a similar debt/income situation (minus the family!) and even a 5-year plan has required some sacrifices.

I'm sure the insurance thing will work out. My significant other had a similar problem when he had an appendectomy a couple years ago ($8000). We did ultimately get his employer to cover most of it.

The others are right...bill collectors are very tiresome. I assume you've already explored a consolidation loan/2nd mortgage; that would be better than dealing with high interest and bill collectors, if that is an option.

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