Cutting up your cards and never using them again is not good advice. It will hurt your credit and prevent you from getting favorable rates in the future. There is no magic - you have to pay down your debt.
You might be able to get an abayance on your student loan so you can catch your breath. Call them and see what is available to you.
Your income is just too low. You've got to focus on getting a better job, or a second, and the wife needs to work. Maybe that will reduce her shopping habit.
Your discretionaries are too high. Cut coupons, shop sales, cook at home, cut back on the cable and internet. Do an energy audit at your house - turn off and unplug. Every little bit will help. $200 per month in gas is alot. Consolidate your trips and slow down your driving - try to max out your MPG.
You are both grown-ups. You need to sit down and decide to control yourselves and your spending. What are your goals? You want to have babies? Well that takes alot of planning and a house that is in order.
You have a mortage that is almost 1/2 your income which is amazing to me. You probably can't refi that right now, but call your bank and see if there is a program for you.
Good luck.
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