I don't know what I would do if I were in your shoes. I am so sorry you have to deal with this and for so long!!
Are there any options that are a flat out no? What are you leaning towards?
It sucks to do option 3 but will it be the best decision for you and your family in the long run? Can you afford to do it? I would have an extremely hard time with that option too but if it was the best choice than I guess I'd have to suck it up and do it. I really don't know what I'd do...