Welcome to the board....The debt is manageable. The DH may not like it, but that's the best thing to do, most likely.If you're going to move into a smaller house, your 50k of equity is likely to be gobbled up in large part due to expenses related to selling the current house. I just had to pay 6% to a realtor, and 1% to the state to sell my house. In your case, that's $17k. You have nearly $30k of debt. That would leave you with only $3k cash to put towards a new home - not even enough for the typical closing costs.Are the APRs on the cards decent at this time?I don't see selling the house as a good idea. It costs too much in fees to sell and buy a home. If you have good job prospects, I think selling the home now is premature. It sounds like you can handle the minimum payments, and you will land another job, so I see no reason to pay a realtor a nice commission just to satisfy the urge to be debt free. The reality is that you need a place to call home, and having a home of your own is one of the best investments you can make. Selling the home would put you back into the land of paying rent most likely.Good luck...- Lan
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