What about a night/evening job? Packing shelves? Cleaning? Working in aged care? That way your partner could be the carer? If you put every cent you earnt into the debt you would prob be debt free in less than 5 years? I would think that bankruptcy would be an absolute last resort and while your debt probaby feels insurmountable - to stuff your credit for such a (relatively*) small debt would be a shame.


* I don't want to discount the stress your debt is causing but I believe with good advice you could avoid bankrupcy as $41K isn't huge