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Question: Marie makes $3,500 a month, pays $1,000 a month in rent and has a child. She can't get momentum on the Baby Steps. She has $81,000 in debt, of which $56,000 is student loans. She has $11,000 in a family loan and only gets $300 in child support. How can she stay focused and not lose hope?
Dave Ramsey's advice: We have to stop and prioritize. Food is first, then lights, then the house, then transportation. Until you do those things, you don't do anything. It's only after those things that the student loan and family loan get paid. Get a lawyer and make him pay child support while you are separated. This guy needs to do right by his child. He's manipulating you by not paying you what you need to take care of your child.
You have got to look at your housing situation. There has got to be a cheaper place in a safer neighborhood that costs less than $1,000 a month. It's hard to get traction with that kind of rent payment. This won't be instant, but work at it.