As a foreigner living in US for some years I got scared by the way our fellow americans live with Debt.
First thing is check your mortgage and check if it is possible to re-adjust or re-finance with lower interest and after check ways for you pay it in ADVANCE.
Being as employer and employee I can assure you:
The man who has freedom, real freedom (paid his house and has 'easy' cost of living) is in better way and better mindset to negotiate.
Anecdotal story:
I had to fill a position for medium level from several applicants I had 2 very distinct.
a) One was middle age (35) but has all his house paid, and he even took one year in Paris just 'for learn French'
b) Other was 45 and have 20 years of mortgage because he fall for the 'housing bubble'
The guy with the paid mortgage was very calm on interview, proactive and well mannered.
Other the mortgage guy was desperate and near a hear attack.
I had to choose the free mortgage guy because he was the best choice for the company. technically and MENTALLY
Please, I assure you I want the best for all the fellow man who live this country.
Can you 'downsize' your costs? move to a smaller but PAID(or lower month paymnt) apt? Bring MORE safety for your family but less 'luxury'.
I know the american dream is big spaces or house, but really. Do you really need that?
What about get downsized on costs and Later move on but more security?
Medicare and Social Security ONLY works if you had ALREADY paid your house.
I hope for your safety and best for your family