Smilybear,
I hate to say this, but I think the baggage you are carrying is not your debt, it's your husband. Why in the world does he refuse to work? And how did you get in a pattern of allowing him to do this? It's true that you teach people how to treat you. That being said, I think you should definitely move. Better yet, if you can find family to live with for a whie, it might not be a bad idea, at least for a while. I hope this helps.
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