So my wiife and I are gonna have our first child within the next 6-8 weeks. She has always wanted to be a stay-at-home-mom, and with the amount of money she'd make, vs what we'd have to pay for daycare, she'd only be bringing in about $500 a month to the house. That's before her gas and food that she'd have to buy for working, so we decided it was pretty much the same financially for her to work or stay at home. We're not behind on any bills, though we have bottomed out our account a lot recently. All together, we have about $2800 a month in bills, and I've been contemplating the idea of a consolidation loan($2095 in loans) to try and knock back the monthly load. Since the shortest loan matures in 2014 and we could really use the relief rght now, it seems to be the only option. What are the thoughts of the guys that have been there?