What about renting the basement out as you suggested. You take your vacation with your daughter to get in better head space. Maybe see your family so you have offers of childcare and you can take time for yourself. Start selling off your daycare stuff and throw that money at your debt or look into refinancing your mortgage and use that money to pay off your debt. Then you have just one bill that once amortized over 20 yrs is not that substantial and may be more manageable. You could also look at part time work one or two evenings a week to help out and get you out of the house so you can start to get your identity back.
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