You're working, and you've got a family that depends on you - both now and down the road. Where do you invest your money? Do you borrow against the equity in your house? Through a preferred provider relationship with USAA, The American Legion can provide expert financial advice to just about any question.
We can’t help you directly, but think we can point you to an organization that can. The National Foundation for Credit Counseling has a network of counselors throughout the country who are focused on helping folks just like you. You can find a local agency by calling (800) 338-2227 or visiting their website. Good luck.