What are the twins planning on doing now that they’re graduating? College or working? It looks like your non-debt numbers are pretty good — it’s the debt payments that are killing ya! Is $2900 for both you and DH working full-time? Since your kids are older, I assume you work. Can you get extra jobs, such as delivering pizzas, hauling boxes for UPS, or babysitting? Can you have a garage sale or sell things on Craigs List or Ebay?
Do you have health insurance? Won’t that cover the sleep apnea thing? How much are the balances on your debts?