Since your husband has no other suggestions, I'd say go with the ex, but put it all on PAPER so there's no question about what was borrowed and what is due.
Sounds like you are in serious financial trouble. Are you and your current spouse willing to sign a contract agreement with your ex? It's always a bad idea to make or take loans from individuals. I really can't see that you have the ability to pay him back or a debt consolidation company. Debt consolidation may be a venue you can pursue, but it's still not a good option. I think your best option would be to take on additional employment, even if it is recovering shopping carts from the parking lot. A church friend of mine (72 yrs old) does that).
If you two are falling apart moneywise, well if your ex is providing child support then you should at least be keeping the money he gives you for your child separate so as to provide for her and if you can't make it then your ex would take her and pay for her and care for her until your money problems are over. So talk with your attorney.
Your life has nothing to do with your exes, and for sure your husband would get angry, it would make him feel less than a man. Leave your ex out of your problems.
If you are in money trouble first of all you have to figure out where you and your kids will live. You are renting so first you'd ask the county what to do. You should be on food stamps to feed all of you. And you should stop being a student!!!
And go out and get a job. Clearly you will be getting evicted so pack your belongings right now (get boxes from the grocery store), and when the time comes call a PUD or POD and pull together enough to put your stuff in storage with them.
There are some bills that don't come up on your credit report, I know cellphone is one of them so if you're behind and while you still owe it won't hurt you.
Walmart is open all hours so get a job there, or at a box company or some other place that has shift work. You need to find another place to live now because when the eviction comes down on you it will ruin your credit and you won't be able to get a place. So ask parents or relatives for a place to stay in their spare rooms or in their garage or old mobile home attached to their home, or mother in law suite that some of them might have and agree to work off part of the rent working for them while you look for other work.
You might be able to get relatives to babysit for you for free (if you're nice to them) while you get work so you can get re-started.
Stop thinking of yourself and think of the group of you as a family. And, you never mentioned about your husband, what he does, why he can't get work, etc.
Loan
sorry to say but its a bit of a stupid question
you owe money
borrowing more to pay it dont solve anything, cos you still have to repay the loan
If you cant afford to pay now how on earth will you be able to repay in the future if you dont change anything?
the ONLY way to get out of debt is to increase your income (maybe sell something), decrease your expenses, or a combination of both. and THAT applies if you get a loan or not
"Plus I'm also a part time student so for me that would be impossible."
THIS is bullsh//t- it may not be desirable, but it certainly is NOT impossible - you just stop being a student, either completely or temporarily, until you have got another job and paid your debts.,
Going behind your husband's back would be the absolute worst thing you could do. You guys need to talk this out.
You also need to get 2nd jobs. The fact that it would be hard to do is irrelevant. You have no choice. You need to earn more money. Borrowing money from your ex will solve your short term problem of facing eviction, but you'll still owe someone the money. Borrowing money from your ex will be awkward. Not being able to repay it would be even more so.
Only with your husband's consent. Since you can't support yourselves maybe you should give custody to your ex so you can work two jobs or more to get caught up. You might also need to quit school if you can't afford even to pay the rent for months at a time. Can you move back with parents or something so you aren't totally homeless?
Take the loan from your ex, but take it in the form of child support paid in advance (assuming he pays child support). So get something like 6 months worth of child support from him, then he gets to go 6 months without paying it. This'll only work though if you do something to get your spending sustainable, because it appears your spending isn't sustainable right now.
Your husband and you should have gotten 2nd jobs the minute you were late with the first months rent. Do not borrow without discussing it with your husband. Perhaps it would be best if you went to a shelter while you worked 2 jobs each and save up to start over.
Sounds like a great way to show contempt for your current husband.
