<human>: My wife makes $14k / year as a server, I make $46k salary. In our 5 years of marriage she has racked up over $60k in debt from a combination of student loans and hospital bills. She's very good at being frugal, no CC debt or other loan debt.

I encouraged her to pursue further education (as a teacher), but she failed out.

We both want kids but we're too strapped with payments to afford them - as in adoption fees since she can't have kids naturally due to the ovarian cyst. I feel frustrated because she won't take a credit hit, and hospital bills continue to accrue. I pay for her insurance (her previous insurance was very bad). We've negotiated with the hospital to bring down the debt by 60% but there's still at least $20k to go.

I find myself mad a lot more than I used, not at her because it's not her fault she keeps needing surgery. I'm mad at doctors, for not being able to figure out how to deal with a cyst that causes her a great deal of pain.

She's a real sweetheart and I've had my frustration come out at her several times. I've told her I felt that she's not pulling her weight, and she broke down crying saying, "what do you want me to do about it?" I felt like such an asshole; what am I supposed to tell her - get a different job?

Can you summarize the given text in a few sentences?
<bot>: my wife accrues debt faster than we can pay it off, though it's not her fault. It's placing strain on our relationship.