TallGirl, if you have a great career and a great job etc… then it sounds like you guys need to lower your living standards to persevere while hubby is in school. There are few job markets that are hiring right now but I do know the medical field is fairly solid right now. A transmission could go out, an out of the blue injury could happen, etc… If you are not prepared for these things, finances can grow out of control quick.
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So, if that be the case with you, I would say the most common misnomer about personal finances is the debt snowball approach. DO NOT pay more than the minimum unless it is the minimum debt. Do not focus on interest rates! BTW, if your interest rates jumped by a factor of 2, then it sounds like there was default on other revolving credit accounts. I would pull a credit report to what you have going on.
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