Do you know what is the difference between the costs of just renting in your area (rent + utilities + rental insurance) and being a homeowner (mortgage, PMI(?), utilities, property insurance, property taxes, HOA(?)). If your calculations show that being a homeowner is much more expensive than just renting, then it might be a good idea to sell the house and rent instead. It doesn’t make sense to pay a great deal more to just have a house that can be foreclosed upon as soon as you fail to make monthly payments. You can then take the difference in rent/being a homeowner and use it to pay off your debt.

In addition, since you are so much in debt, seems like the best idea would be to live with either you or your boyfriend’s parents? Might be arkward but it would definitely save a lot of money in the long run. A lot of people are actually doing that nowadays. And since our economy is still in ruins, you got to save every penny you have in case anything bad happens (eg. emergency fund).