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The second paragraph is what I expected. Problem is who is going to lend them money in that situation, even if the debt was consolidated? How much less than $3,700 mth would a consolidated debt cost with no RE as security? My guess is not much, and it won't improve their situation all that much...

Car lease, Car loan, Boat loan and whateva nik naks for 10k :confused: imo: Sell car Sell boat Forget this BS car lease/salary sacrifice. Buy a used ole small car and live on $50wk per person for food. Learn to cook! No alochol or cigarettes or any other non food mind alterating...