Yes I am going into that much more debt each month. I have always been good about not going into debt, always paid off credit cards every month. And we as a couple have never been spenders. Until we bought a house and had kids (twin girls) back to back. I have to sell this house sometime, even if I go another 20K in debt. That would stop the bleeding and I could begin to crawl out of it. If it doesn't sell, I will run out of credit and would be up shit creek.
The stress of all this is killing me slowly. And I use to have unlimited overtime at work, but now we are dead for the first time in 8 years. Started a lawn business, and do some woodworking on the side. Gambling profits have helped and I keep a lot of that $ set aside to buy the needed equipment.