My husband and I are in serious trouble with our finances. My husband was laid of several months ago, and has had to settle for part time work, and watch our son, while I work full time. This has become a huge problem, as now our monthly bills are more than what we make a month! We just got married a few weeks ago, and I know I don't have good credit, but my husband has decent credit. I'm not sure if we'd be able to get a loan due to my credit history...