oh I don't know the techniques of lifting so I guess I shouldn't offer my ignorant opinion!
Have you thought about going to a different institution for a debt consolidation loan? They might have more relaxed guidelines.
And yes............ being broke is the worst feeling - especially when you have 2 good incomes and you're still broke. Been there. It really sucks.
Sometimes you have to do drastic things to get your finances back under control. I'm sure you'll get it figured out and taken care of in time. Getting Brad on the same page and onto the same goal will make it LOTS easier. When I explained to hubby the benefits of paying off the mortgage asap he was all for funneling all our assets into that goal.