Option 2:   Keep doing what you are doing and hope that the economy will change sometime soon for you to be able to pay off your debt. With this option your health is actually also at risk because of all the stress and sleepless nights.  
 
The solution to the problem may be to look at part-time jobs that wont take up too much of your time,something that you can do from home. The ideal would be to make money on the internet.Internet businesses tend to require the least start-up and running capital.It is also normally the quickest to get off the ground and might enable you to pay off your debt in a few months. 
 
  Some people are getting so good at these part-time jobs that they actually leave their day job in a few short months.These are normally the guys and girls that earn six and seven figure incomes doing it on the internet from home.These top earners now also have more time ,more money and no debt.Also know as FREEDOM.  
 
That is what we all want at the end of the day ,nothing more and nothing less.  Rohan Rossouw