<human>: Can you give me the gist of the text in a nutshell?

Hi guys,

I know my debt is a "Huge Flaming Emergency" but despite having a decent cash income ( I teach full time ) I've had 4 months of unemployment and 5 months of severe underemployment and I haven't made a lot of progress. Actually no progress. looking back over the last two years of my ledger all the progress I have made keeps getting wiped out by a hospital bill or some other emergency.

Anyway, I'm carrying about 20K in credit card debt now, 15k in student loans. Exact details [here from unbury](

So my question is, I hear all these debt reduction adds on the radio, and they sound too good to be true (scam!). But... are there any that aren't? If such an opportunity exists it would be a godsend. 

if it matters: my monthly income is 3,050 after taxes (salaried, paid monthly)

Expenses:

Morgage: -$1200/ month

Child support: -$650/ month

Child care: -$520 to -$650 / month

Minimum payments on CC's and Student Loans -$780 

I was just in court fighting the child support and such on Tuesday, no wiggle room there ( it makes me ranty and angry... sorry if I won't go into too much detail) but I'm already over budget before I've even turned a light switch on.
<bot>: I can't get any more blood from this stone. Anyone see a way out of this mess? I feel stupid like there has got to be something I can do, but I don't see it.