Owe $75,000 on credit cards, laid off and r/c a servance package of $33,118. Yearly salary was $70,000 and Husband has $24,000 military retirement, $41,000 income, and $14,028 VA benefits. I was consider paying off the bills. If we were to do this we can live off my husband pay. In addition to the monthly bills I will have student loans come do next year. Which should be put on hold until I get a job. 401k and Pension pay total $90,000. What should I do?